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• W1591559892 abstract "ndustrial loan companies have been a part of the fi nancial landscape for the better part of a century, but until recently, not many people outside of banking circles had heard of them. Much like early-twentieth-century building and loan associations, which fi lled a void in home loans left by main-stream fi nancial institutions, industrial loan companies (ILCs) arose to fi ll a void in unsecured consumer lending.When the fi rst ILC came into existence in 1910, the way it conducted busi-ness—from its approach to consumer lending to the way it funded loans—was suffi ciently different from tradi-tional banks that it and the institutions that evolved from it were not consid-ered to be banks from a legal stand-point. This legal distinction would keep ILCs exempt from certain types of bank regulation in later decades. When commercial banks fi nally warmed up to the business of unsecured con-sumer lending in the 1920s and began to surpass the ILCs in the market in later decades, it seemed as though the ILC industry would be relegated to a footnote in fi nancial history. The limited nature of the ILC charter placed these institutions at a competitive disadvantage to other consumer lenders in the market. Yet not only have ILCs survived, they have begun to grow. At the end of 2004, there were 57 ILCs in existence with combined assets of $140 billion—up from $3.8 billion in 1987—and six of these ILCs ranked among the largest 180 fi nancial institutions in the nation, according to a 2005 GAO report. The largest ILC has over $66 billion in assets, making it one of the top-25 commercial banking companies in the United States. The marked increase in the size of the average ILC, the growth of industry’s combined assets, and the recent well-pub-licized applications for ILC charters by large commercial fi rms suggest that these institutions are becoming more than niche players in fi nancial markets. Below, we take a look at some reasons why." @default.
• W1591559892 created "2016-06-24" @default.
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• W1591559892 date "2006-08-01" @default.
• W1591559892 modified "2023-09-24" @default.
• W1591559892 title "Industrial Loan Companies" @default.
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