In healthier times, one person's savings would be put in a local bank, where it might become the money needed to allow a young family to take out a loan and build a new home.

在正常的年代，一个人可以把储蓄放在当地银行，而银行的现金必须能允许一个年轻家庭从中举债，建立一个新的家园。

youdao

Courts have no authority to order a bank to change the terms of a loan or compel a homeowner to continue making payments on a home.

法庭没有权力下令银行更改贷款的条款或是强迫房主继续支付贷款。

youdao

One explanation is that the quasi-governmental home-loan banks and mortgage agencies have been lending to bank at rock-bottom rates.

有种说法是，具官方色彩的房贷银行和抵押机构的给银行利率已经不能再低了。

youdao

The congressmen want the Federal Reserve, the Federal Home Loan Bank Board and the National Credit Union Association to define unfair lending practices and mandate ways to prevent them, as the law states.

FORBES: One Market, One Regulator?

"All deposit insurance is a moral hazard, and brokered deposits are a moral hazard, squared, " says Alex Pollock, a former head of the Federal Home Loan Bank of Chicago and now a fellow at the American Enterprise Institute.

FORBES: Bad News Banks

Countrywide is moving all its mortgage origination activities under the umbrella of its federal savings bank, which would allow it to use deposits to fund loans, as well as let it borrow through the Federal Home Loan Bank system.

FORBES: Countrywide Is On Its Side