Notes

The Financial Company
A non-bank financial company, also called non-regulated financial organizations, are companies that offer financial products and services but are not formally recognized as a recognized bank by a full-blown banking authority. This type of business can offer consumers or small businesses a range of financial products including loans, savings accounts, investment securities, consumer credit, merchant cash advances, and a variety of other services. The word non-bank refers to the fact that a financial company does not have a physical building or facility of its own. Although finance are sometimes referred to as "non-traditional financial organizations", this label is often used pejoratively, particularly in the financial industry.

There are many types of non-regulated financial companies. Some of these include chartered banks, trust corporations, registered investment companies, insurance companies, investment partnerships, and self-liquidating agents. Non-regulated financial companies earn money through various sales channels. They may earn interest, buyout options, retain customers, or grant incentives for customers. In addition, some non-regulated financial companies operate in the capacity of brokers or agents and provide mortgage insurance, commercial real estate tax services, and post-retirement asset protection to senior citizens.

finance are non-regulated. For example, some savings and loan companies and investment banks are technically recognized by the United States Department of the Treasury as "reputable" banks. When a financial company is considered reputable, it must pass an evaluation made by the Treasury Department based on a number of different factors. The most important factors considered by Treasury when rating financial companies are risk, profit, stability, and credit history. If a financial company fails to pass this test, it will not be allowed to issue regular credit cards.

Non-regulated financial companies in the United States include PNC Bank, Wachovia Bank, Wells Fargo Bank, Branch, and Trust, Commerce Bank, Fifth Third Bank, US Bank, and RCBC Bank. Several well-known private banks in the U.S. including FDIC-Chase Bank, Wachovia Bank, and PNC Bank are regulated by government agencies such as the Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, and Federal Reserve. Many well-established and highly rated commercial banks in the United States and abroad are supervised by government agencies including treasury department, the FDIC, and Internal Revenue Service. However, the majority of non-regulated commercial banks are privately owned and operate their businesses in the same way as any other business. This poses a threat to the interests of investors.

finance refers to the management of assets for wealth accumulation. Many banks offer a variety of investment banking and wealth management products, including savings accounts, investment banking, commercial banking, mortgage banking, and international money transfers. finance can also work with clients to transfer funds between multiple accounts. Some non-regulated banks may offer services in investment management and asset protection, though these services are often not offered by well-known banks.

Real estate banking refers to the buying and selling of mortgage-backed securities (also known as securities guaranteed by the real estate underlying). Many real estate financing and lending firms deal in residential, commercial, and industrial real estate loans. Most traditional banks lend money through their clearing houses and through the Federal Reserve. In order to participate in the commercial paper market, most banks use the Fed's New York Clearing House System.

Shadow Banking refers to financial activities not conducted via traditional banks or credit unions. Examples include asset-backed securities, foreign currency, derivatives, and market-oriented lending. Shadow banks make financial decisions not under the direct supervision of a traditional bank. These activities are done through self-liquidating "shadow banks" that are rarely liquidated even when a borrower defaults. Examples of shadow banks in the United States are the Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, and the Federal Reserve.

A global financial crisis has resulted in many changes in how money is lent and used. Because of the global economic meltdown, interest rates have been reduced, and the value of currencies has decreased. In addition, legal restrictions on borrowing have increased. In response to the global financial crisis, many nontraditional financial services companies have begun to offer money and lending services. Some have already become very successful, while others are struggling.
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