Banking Regulations

noun a legal claim or right on a property or asset that is used as security for the payment of a debt or obligation

• The bank placed a lien on the property due to unpaid debts.
• They couldn't sell the car because there was a lien on it.
• I had to deal with getting a lien removed from my credit report.
• Emotional baggage can be like a lien on your happiness, weighing you down.

adjective involving or practicing usury, which is the illegal action or practice of lending money at unreasonably high rates of interest

• The bank was accused of charging usurious interest rates on their loans.
• I can't believe how usurious the fees are for this credit card.
• These payday lenders are so usurious, they'll bleed you dry.
• The cost of living in that city is usurious, it's impossible to afford anything.

noun the money held in a demand deposit account

• A demand deposit is a type of account where funds can be withdrawn at any time without prior notice.
• I keep my emergency savings in a demand deposit account so I can access it quickly if needed.
• I always make sure to have some cash in my demand deposit for a rainy day.
• Her trust in him was like a demand deposit, always there when she needed it the most.

noun a demand by a credit-card provider for a retailer to make good the loss on a fraudulent or disputed transaction

• The customer initiated a chargeback with their credit card company to dispute the transaction.
• I heard Sarah got a chargeback on her latest online purchase.
• I can't believe they tried to pull a chargeback on that sale.
• His betrayal felt like a chargeback on our friendship.

noun a rescue procedure for a financial institution on the brink of failure, in which the institution's creditors and depositors are forced to bear some of the burden by having a portion of their debt converted into equity or written off

• The government implemented a bail-in strategy to rescue the failing bank.
• They decided to use a bail-in to save the bank from going under.
• The bank was in trouble, so they had to do a bail-in to keep it afloat.
• In times of crisis, a bail-in can be like a lifeboat for struggling financial institutions.

noun a noun is a word that represents a person, place, thing, or idea. In this case, 'binge lending' is a noun because it represents a specific type of lending behavior where a large amount of money is lent out in a short period of time.

• Binge lending refers to the practice of excessively extending credit to borrowers without proper evaluation of their ability to repay.
• Some financial institutions engage in binge lending, offering loans to anyone who applies without considering the risks involved.
• I heard that company is into binge lending, they just keep giving out loans like candy.
• In a way, binge lending is like throwing caution to the wind and hoping for the best outcome, regardless of the consequences.

noun a type of asset that has experienced a significant drop in value and is difficult to sell

adjective describing the assets as harmful or detrimental

• The bank had to write off billions of dollars in toxic assets during the financial crisis.
• The bank had some really bad investments, so they had to get rid of those toxic assets.
• Man, those toxic assets really messed up the bank's balance sheet.
• Her toxic assets were weighing her down, preventing her from moving forward in life.