Fumanisa uPhando loBuso kwiiNdlela zokuQokelelwa kweTyala loMboleki phakathi koKunyuka kwamatyala

I-Discover Financial Services, omnye wababoneleli abakhulu beemali-mboleko zabafundi babucala, ujongene nophando oluvela kwi-Consumer Financial Protection Bureau malunga neendlela zayo zokubonelela ngemboleko-mali, inkampani ibhengeze kwingxelo yayo yonyaka namhlanje. UDiscover uthe umlawuli wezimali wabathengi ukhuphe 'imfuno yophando lwasekuhlaleni' efuna 'amaxwebhu kunye nolwazi malunga neendlela ezithile zokubonelelwa ngemali-mboleko yabafundi beDiscover Bank.'

Uphando lwe-CFPB lwe-Discover luphando nje olunye lokuqokelelwa kunye neendlela zokubonelela ngeenkonzo kushishino lwabucala lwemali mboleko yabafundi. IGqwetha leGqwetha Jikelele lase-Illinois uLisa Madigan uphanda isigebenga semali mboleko yabafundi iSLM Corp, eyaziwa ngokuba nguSallie Mae, ngokutsho kwe Ijenali yaseWall Street .



"christina the moussa"

Ngelixa ishishini lokubolekisa ngabafundi likaDiscover belikhula, ngokunjalo nobunjubaqa balo, bufuna unikezelo olumandla kunye neenzame zokuqokelela, kwaye mhlawumbi luphembelela uphando lweCFPB. I-Discover yaba phantse i-4 yeebhiliyoni zeerandi kwimali-mboleko yabafundi yabucala eyaqala ekupheleni kuka-2013, ukwanda okuphantse kube yi-1 yeebhiliyoni zeedola ukusuka kunyaka ongaphambili kwaye phantse kube kabini ukusuka ekupheleni kuka-2010. mboleko xa kuthelekiswa ne-4.7 yeebhiliyoni zeerandi ngowama-2011.



NgeBloomberg

Ngokutsiba okukhulu ekubolekeni kwabafundi babucala, ubugwenxa bayo bunyukile. Ekupheleni konyaka ophelileyo, imali-mboleko yabafundi evela kwiDiscover ibenezinga lobugebenga leentsuku ezingama-30 le-1.66%, ukusuka kwi-1.07% ekupheleni konyaka ophelileyo kunye ne-.63% ukusuka ekupheleni kuka-2011. ngo-2013, kunye nesantya sohlenga-hlengiso sinyuka phantse ngesiqingatha enyakeni. Ubugebenga beentsuku ezingama-90 kwimali-mboleko yabafundi babucala obuvela kuyo buphindeke ngaphezu kwesithathu kule minyaka mibini idlulileyo, nge-.46% ekupheleni kwalo nyaka ukusuka kwi-.14% ekupheleni kowama-2011.

Ngokwahlukileyo koko, ubugwenxa bekhadi letyala likaDiscover bebusehla kancinci kule minyaka mine idlulileyo.



Kuphela i-4 yezigidi ze-Discover ye-7 yeebhiliyoni zeedola kwingeniso yenzala ngo-2013 ivela kwimali-mboleko yabafundi yabucala.

Fumanisa ayisiyiyo kuphela inkampani yezemali ukubona iimali-mboleko zabafundi ziwohloka kwipotfoliyo yayo, zombini Wells Fargo kunye noSallie Mae ube nayo.

I-Discover isandula ukwenza into enkulu ekubolekeni kwabafundi ngeenzame zokwahluka kwishishini lekhadi letyala. IKHAMPANI uthenge i-2,5 yeebhiliyoni zeerandi kwiimali-mboleko zabafundi evela eCiti yaze yathenga i-80% yesabelo sikaCiti kwi-Student Loan Corporation yomfundi ngo-2010.



Iibhanki ezinkulu zabathengi ziqalise ukulishiya ishishini labucala lemali mboleko yabafundi njengoko liye lehla ngenxa yendima karhulumente eyandisiweyo. Ababolekisi abasasele bejongene nokuphononongwa okwandayo kwi-Consumer Financial Protection Bureau, ekwaphonononga iinkampani ezingezizo ezibhankini ezibonelela ngemali mboleko yabafundi. Oku kushiya ngakumbi nangakumbi kubabolekisi abakhethekileyo abanjengoSallie Mae kunye ne-upstarts efana noDiscover. JPMorgan Chase, ibhanki enkulu yelizwe ngempahla, ibhengezwe kunyaka ophelileyo yayilishiya ishishini lemali-mboleko yabafundi.

Le nkampani ikwadize ukuba i-Federal Deposit Insurance Corporation yazise i-Discover ngokusilela okunokwenzeka kwinkqubo yayo yokulwa nokuthutyeleziswa kwemali. UDiscover uthe usebenzisana nophando olubini.

Ibhanki ibingenazo naziphi na iindleko zesimangalo ngo-2013, kodwa idize ukuba 'ilahleko enokwenzeka ngokufanelekileyo' yokumangalela kunye namanyathelo olawulo ifikelela kwi-150 lezigidi zeedola. Ibhanki yathi ingajongana nezohlwayo zoluntu ezivela kwi-FDIC okanye i-CFPB okanye ukubuyisela kubafundi kuphando lwenkonzo.

Amanqaku Umdla