call it a credit card crisis. credit card debt in the u.s. is now at more than $1 billion, and growing. we explore the reason behind a big spike in spending beyond our limits, and reaganomics. roller skating is planning to expand in san francisco, and some hope it could lead to a revenue boost for the city. but first, the science of the volcanic eruption in iceland. it erupted after weeks of intense earthquake activity. a volcanologist explains the science of fissure eruptions and the dangers. with that, we say, hi everybody, i'm dion lim, thanks so much for joining us for this edition of getting answers. well, happening right now, a massive volcano has erupted near iceland's capital. this is actually a live look. you can see all of that magma up in the air, up to 100ft. and nearby areas really on high alert. so joining us now is volcanologist with the usgs california volcano observatory jessica ball jessica, thanks for being with us. >> be with you. >> all right. residents of nearby grindavik were evacuated already last month. there have bee

there are not many legal ways to correct your credit history.y must be repaid, and without resorting to bankruptcy, it will have a bad effect on your rating. secondly, the loan can be refinanced, that is, take out a new one and pay off the old one at its expense. this shouldn't ruin the story. if they don't give you a large amount, you have to start off. repay small loans on time and thus restore the confidence of banks. what if your credit history is damaged through no fault of yours, that is, an error has crept into it? submit an application for amendments or additions to the bki. within 20 working days, the bureau is obliged to conduct an additional check of the information, that is, request it again from the bank. you must be informed of the results in writing in case of refusal. credit history can only be obtained through the court, for example, if the source of data on the credit reasons, unfortunately, is sometimes contested no longer exists, that is, the organization was liquidated. what should you do if there is a loan in your bank acco

mandatory requirements. transfer of credit history to at least one bank credit institution, without obtaining, appeared on july 1, 2014. previously, the bank could transfer information to the credit bureau only for those people who have given permission to do so. then it’s really worth writing to a bank or microfinance organization with a request to send information about the loan to the credit history bureau. if we assume that the bank did not fulfill its obligation and did not transfer information about the loan to the bki, then it is necessary to write an application to the bank to demand it. error , creditors can accept such requests remotely within 10 working days , the creditor is obliged to check and send to the side data, but it may happen that the bank or financial organization does not disagree with your arguments, in this case you can send an appeal to the central bank or solve the problem through the court, but don’t let this confuse you, there is an easy way to request all stories at once through government services, open the receiving service on the portal information about stor

the requirement for the mandatory transfer of credit history, to at least one credit bureau, without borrower’s consent, appeared on july 1 , 2014; before that, the bank could transfer information to the credit bureau only for those people who gave permission for this, then it’s really worth writing to bank or microfinance organization application with a request to send information about the loan to the credit history bureau. if we assume that the bank did not fulfill its obligation and did not transfer information about the loan to the bki, then it is necessary to write an application to the bank and demand that the error be corrected. lenders can accept such requests remotely within 10 working days; the lender is required to conduct a check and forward them to the side data. but it may happen that the bank or financial institution does not agree with your arguments. in this case, you can send an appeal to the central bank or solve the problem through the court. but let it not... then check the correctness of the data that will be pulled up from your personal account. send a request

how has the cfpb accounted for actions that credit card issuers are being forced to take credit risks and other potential regulatory requirements. >> with respect to the proposed rule on late fees, we do know that credit card issuers engage in risk based pricing. that is the vast majority of the market. they don't just have one price that everyone does. in as much as someone is engaged in not paying, they can substantially raise the rate. they can take all sorts of action -- >> by virtue of the rule, by what regulators are doing. does cfpb engage with the regulators when preparing this proposed rule to ensure that card issuers remain able to -- >> as part of how we think about -- >> you did? you engaged with the prudential regulators? >> yes. we do. >> then i don't understand. let me get to my question. how can the agency justify proposing a rule that would implicate the safety unsound obligation -- and sound obligation. >> the way credit card issuers originate, they can engage in risk-based pricing. they are able to raise rates with customers who are risky and lower them to those who

that is the nature tax credits -- major tax credits are earned income and c t

you can also submit through a credit bureau, microfinance organizations and credit cooperatives or notariest to know that this can be done for free no more than twice during each calendar year and no more than once on paper. for example, by using the service of the bank of russia to provide information about the bki, which stores a citizen’s credit history, on government services you will receive a link to the official website of each bki, which stores your credit history. so, bki is obligated upon request. deliver a report electronically for free twice a year on paper once, then the service becomes paid, but the number of requests is no longer limited, some bureaus offer a subscription, which sends the history regularly and can even warn about each new loan issued. you have received your credit history, but how do you understand how good it is, bi will evaluate everything for you, the rating depends on the likelihood that you... payments for more than 90 days, each bank credit institution has its own set of data on loans and loans themselves calculation method, so ratings may vary. what to

we are constructive on credit and it's about where you go within the credit space.ke asset-based finance and what you are seeing out of regional banks with a lot of product coming out of that either high quality portfolios we wouldn't have seen otherwise or stepping into areas that have retreated from lending and one areas real estate credit particularly around some of the transitional assets. there are places to avoid like the dispersion with secular decliners and places and businesses that haven't been able to pass on price and we are avoiding those type of businesses. sonali: i'm curious about the regional bank play. do you see the prices declining enough? what's the clearing price on some of these assets being sold at regional banks and is it just cre? >> it depends, we are seeing some really nice portfolios with high quality where the price is not that much of a discount but they are providing a lot of financing to make the returns work particular for pools of capital like ourselves. there is also big discounts on distressed assets and those of the things we ar

we just cover the credit report and credit score. certainly, if treasury and the insurance office works on this, we are happy to provide information on the state insurance regulators. i know many of them are also wondering the same question. >> some states have them. thank you so much, chairman. i yield. >> the general lady yields back. we will take a five minute recess. >> okay. we are back. next, we are going to go to the gentleman from tennessee, mr. rose, for five minutes. >> thank you to director chopra for being here today. director chopra, last month, the new york times ran an article with the headline calling you, quote, wall street's most hated regulator. and that bankers believe that you are a regulator gone rogue. do you agree with the characterization that you are wall street's most hated regulator and a regulator gone rogue? >> certainly not, but you know, you will have to ask them. we try to make sure that all of our work is with the public interest in mind, including with financial institutions. >> i want to say this t

today we have a credit market overall that is the lowest credit quality ever. think the credit reckoning may take time to arrive but it will arrive with some dramatic reprises. vonnie: let's bring in criag bergstrom and brian rehling. issuance is ahead scratcher. let me ask you if what we are seeking -- seeing is based on any reality in the markets. brian: i don't think so. i think you will see issuance come up. it takes time for things to move through the pipeline. no doubt with the decline in rates we have seen, credit spreads have been mentioned quite tight. it will be more proactive in the new year. vonnie: explain the tightness of these at the moment. craig: credit markets have rallied quite strongly. it feels they are following other assets. it is following strong returns for equity, mirrors strong returns for on the run leverage loans. at the same time, it does not feel to us as investors like those on the run credit assets represent particularly attractive value. vonnie: explain why the market is being so kind to junk borrowers. it is as if there is no

risk -- and credit risk. we are pushing that out to the nonbank sector if these proposals go through but that notwithstanding the bank part of the structure should be pretty good. we are talking about credit specifically. i like the mortgage market quite a bit as well. if the curve does not do some bird, if the fed cuts enough, most of the buyers for mortgages are leveraged one way or another. that could improve demand there, tighten those spreads, so mortgages over credit is one of my favorite macro trades. sonali: to the extent you are willing to take on a little bit of credit risk, where do high-yield spreads need to be to provide an attractive entry point? robert: i think that high-yield is like would have positive access return.it's likely to outperform governments this coming year and i think that will be true for most of the credit sector but the counterintuitive point here is that it will do so in the face of rising defaults. but a lot of those levered finance defaults will come from the smaller compa

credit card in the country.nezov and make simple and quick recipes on my blogs. and to make it even tastier, the right sauce is important. astoria, now it’s definitely delicious. remember what they told you. when you decided to open a business, but it’s not a business at all, but you didn’t listen, because you do everything not so, continue with alfabank - the best loyalty program for business, we pay 3,000 rubles for opening an account and up to 10% cashback for expenses, so as not to spend too much, order goods in a selection of profitable shelves. for example, gouda cheese scooter with a 30% discount, for only 139 rubles. delivery is free, scooter without extra expenses. the legendary alfabank credit card, free forever, has become even more profitable. now withdraw cash from any atm for free. smart3. that's right, smartrio. tekna common 20 pro kit with a communication accessory is 10 thousand rubles more profitable than just a smartphone. on your side, with a credit card, everything will be as you want, every

that is the nature tax credits -- major tax credits are earned income and child tax credits. they can also somebody owes so that they receive more back than they paid in. for about the bottom 10%, sometimes the bottom 20%, it will actually be a negative tax rate because they are receiving more from the tax system than they paid in. host: in recent years, viewers have become familiar with political battles over additional funding or the irs for enforcement. did your foundation take a position on whether additional money for the irs was good or bad? guest: as an educational nonprofit, we do not take official policies on specific legislation but we do highlight trade-offs of legislation. one thing we pointed out about the increased in funding is that the bulk of it has gone to enforcement to increase audits but not much to improving customer service. the irs has said it will burn through those increased funds for customer service in the next couple of years. a stable source of funding for customer service so that people are there at the irs to answer phones, process the backlog

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is a credit for buying and writing., the sms will be sent and their accounts will be charged at the same time . my sms will be sent to the families. mothers can god willing, they will pay, yes, and we will witness that the mothers have healthy mothers , for these children will be healthier. yes, let's go to a call center. hello mr. aalari. hello, i am at your service, mr. azaribagha, and also my good viewers, during the time i was here, the experts of this center told me that every door, every day. around 300 people call the number 63 69 to ask questions about the electronic product sabouri, an expert in electronic catalogs, is present to answer the most common questions of people. here you are. greetings to you and all dear viewers. one of the frequently asked questions is whether the cash subsidy of people will be removed if using the kalabarg plan. let me say that no, in the case of using the product plan , the cash subsidy of people will not be removed, that means there will be no problem for them . no, they can rec

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we do, but i will say again that there is a credit problem, of course, because part of our credits must be spent on applied research according to the current laws of the country, at the same level , we can actually follow up our operations. there are some works our operation, which is especially related to legal matters and our legal duties, is carried out in that research center , and god willing , we will work more on artificial intelligence and its applications in this field , as is the case in the rest of the countries in the western and southern regions. what about south west asia ? they are involved in climate issues as much as we are involved . well, if you go to latitudes or countries with more complex topography , the consequences of climate change will be more different , for example, in the countries on the persian gulf. because they are in a hot area, there is a lot of flooding it cannot be considered a serious problem there because of the average rainfall. it's not that much at all , sometimes floods may happen there, as we saw in the uae in saudi arabia, sometimes floods h

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on the next page, click start, and then select the menu item with a letter of credit.s similar to the one used when drawing up a regular electronic contract for the purchase of a car, but when transacting with a letter of credit from the seller , the buyer has additional protection. the buyer transfers money to a special account in advance and the seller knows for sure that he has the funds for the purchase. the money is not transferred to the seller immediately, but after he reaches the traffic police within five days after signing, he registers the car in his name. if the buyer missed this deadline, the money will be sent to the seller automatically 5 days after signing. this service is really important, in demand, and in fact the registration the agreement takes place through a government structure, through a digital service that belongs to the state, thereby ensuring maximum security for both the service itself and financial payments. if the traffic police refused to register, then... the buyer will have a choice either to revoke the letter of credit, that is, not

in your credit section ., how can people find out where their nearest stores are and where they should go. by using this application you people by referring to the stores section. by turning on the location of their mobile phone, they can easily see the stores that are close to them and that are connected to the electronic product plan . another way is the command code, the usd star 500 command code star 14 has 63 squares that can be measured using this command code. they should receive their credit card and a temporary password for the time when their purchase is in cash and they don't have the bank card of vatraj khan with them. the yasna project was something that you should read. if you allow me, i will complete this . yes, remember that in the first three to four months , the participation rate in the kalaberg project was about 100,000 people per month. millions of houses means that it has increased exponentially and sharply. now kalaberg is used by something like 20% of the company's people . we will ta

that's why i made it a priority to pass my bipartisan credit ka card -- credit card competition act. i introduced this with senators marshall, welch, and vance, would bring competition and choice to the credit card market and bring down the excessive credit card fees, by requiring only the largest 30 banks in this country to enable at least two credit card networks to be used on credit cards they issue it would provide with at least one outside of the visa and mastercard duopoly. this is estimated to save merchants, retailers and consumers 15 billion dollars every year. given this threat to their ability to profit off of consumers and small businesses, it's no surprise that the credit card industry is paying a pretty penny to convince consumers that my bill will take away the credit card rewards programs like frequent flier miles. a new report found that visa, mastercard and the trade groups they fund, such as the electronic coalition, spent 21 billion dollars lobbying against my bill since 2022. they recruited some allies to breathlessly claim that my bill would make frequent flier

our first credit fund was really successful.e are looking at how to expand that credit strategy and we will work with the likes of blackstone and apollo as we do credit deals with them, and pretty ridiculous -- and particularly with the loan initiated two months ago. we are also providing capital as a private credit solution provider. i don't think that trend goes away irrespective of interest rates. vonnie: marc, thank you so much for joining. digitalbridge ceo marc ganzi. wall street bonuses looking pretty bleak after a year of few deals, collapsing banks, and job cuts. this is bloomberg. ♪ jon: let's get to today's "for what it's worth." 30%. jp morgan and citigroup have been weighing to cut by that much. something to consider. this is bloomberg. ♪ i don't want you to move. i'm gonna miss you so much. you realize we'll have internet waiting for us at the new place, right? oh, we know. we just like making a scene. transferring your services has never been easier. get connected on the day of your move with the xfinity app. can

to build its own credit card business. later gives you more control in a way. you know when your outlay is at the beginning. you don't have a revolve or those complicated schemes of interest. for all banks generally they are facing this competitive threat. he heard jamie dimon label affirm that's one of the biggest threats for it to watch. sonali: how thanks to sally bakewell. michael interview ayres tomorrow night at 8:00 p.m. new york time. coming up, bank of america sonali theisen discussing market structure that has been a very challenging as of late and 2024 trends to watch in the bond market. big-name bonds of next. this is bloomberg. ♪ the first time you connected your godaddy website and your store was also the first time you realized... well, we can do anything. cheesecake cookies? the chookie! manage all your sales from one place with a partner that always puts you first. (we did it) start today at godaddy.com jon: welcome to bloomberg markets. sonali: we will do a quick check before we get started. we are snappi

he can't get credit from his own staffers. he can't get attention from his own staffers for the record dow. >> i think it is a really cool opportunity for biden. assuming he stands strong with israel, that he welcomes this sention within his own party. as long as he stands with israel, it makes him look open minded and strong. >> that is a good point. being a white house staffer and you are under such a microscope. and sometimes the administration does things you don't agree with it. and just because you are here doesn't mean you agree with it. but i hope that is part of what people take away. you can disagree even with the president that you are working for and that doesn't mean you don't support him on other things. i think that's not a bad thing. >> that's a nice spin. i don't think he can fire them because he is already doing badly enough with young voters that it would be a huge negative. but the conversation i hear about this kind of thing is, this is not my point of view, so don't get mad but the conversation i hear is

the private credit area. and as the regulators are -- are increasing regulations on banks, they're actually standing up the nonbanks. and so, i think -- i hope that dynamic comes up. >> do you think that private credit, that area, is -- there's been so much chatter, you know -- >> bubble. >> right, it's a bubble, and there's a risk here, you're saying, perhaps? >> we research the companies, the ones that are public. some are terrific, but anything in financial services, in my opinion, that grows a lot faster than the economy, usually hits a catchup moment. that doesn't mean that it's going to be a crisis, but all the players in private credit aren't going to be successful. so, i think it will be interesting to see how it plays out. i do think private credit is here to stay, so, it's a real industry, but i think that the regulators have a decision on how fast they want it to grow. you keep coming down hard on the banks, it will grow faster. >> silicon valley bank would have passed the stress test if they were

there is a credit protection called credit default swaps.vestors on the state can ask for early redemption of the bond to get payment, even though the bond is maturing next year. we know from sources that since last week, regulators have been in active talks with bondholders trying to persuade them not to ask for early redemption. country garden saw sales falling 77% and probably doesn't have cash to meet those demands. rishaad: it's pretty good that they have managed to avoid default, but if they hadn't had these bondholders saying we will not demand repayment, we would've had one. >> that's it. this is a top-down process with regulators going to bondholders, holding exchange meetings with investors telling them not to proceed with that demand for early payment. you do you see a huge incentive from onshore market to avoid this default scenario which has happened to the dollar bondholders. there is a reenactment of the structural subordination of the offshore bonds. rishaad: some news coming out of wanda as well, i believe. >> the one the ip

with kalanano's plan, we can receive purchase credit up to 100 million tomans from pak shuma. we only have 70 days until the last payment, pak shuma always. with you, why did my test fail? it's not finished yet . high quality sofa, long legs, reasonable price. get it from sarai irani. the price floor is in sarai irani . mahris carpet factory gives buyers a 4-meter carpet as a gift for buying 12 meters of carpet. while announcing this news, the public relations of the mahris carpet factory told our colleague: we are standing by our carpet. we are at the foot of our carpet, mahreez's carpet, sit on the first page , sit on the first page, sacrifice is there on the other side of the fence , look, the joy of meeting is there. on the other side of the table, the eyes of a martyr are on you. in the name of allah, the most merciful, the most merciful , good evening, dear members of the khabar network, we are very happy that the page program you look at the first and we will present the conversation that we will present to you tonight for about an hour. we hope that it will be useful f

well, are the credit card debts hanging and interest dripping?va, you take credit cards, transfer debts to halva, divide them into 24 months, conveniently repay, make purchases or get rid of credit card debts easily with halva. the feed has everything for the new year, and even a pineapple costume or dragon wings. receive mixers as a gift for purchases in stores at the checkout and create funny characters with delivery of your order. collect, mix, play! hurry up for the sale! hisens is a global brand of technology. haisens is control from your phone and system intelligent cooking. haisens technologies that change lives. the calm before the storm. the russian plain froze in anticipation of the next snow storm. where will dangerous weather still remain today and when will it become so throughout the region. is it true that by the end of the week there will even be a thaw in the european part of the country? time for meteorological news on channel russia 24. i am evgeniy teshkovets, leading specialist at the fobas center. hello residents. capital re

only five purchases from a thousand rubles on any credit card.partment in moscow can become yours, and if you don’t have a card yet, get a free credit card for 120 days without interest, win with the best credit card in the country. avatar show, new season, today at 20:20 on ntv. how to maintain normal sugar levels? take aligimjim, a natural aligjim complex. helps maintain normal sugar levels and reduce appetite cravings for sweets. alijim evalar is recommended by the russian diabetes association. can't give up sweets? take alejim. the natural alejim complex helps reduce appetite and cravings for sweets, as well as maintaining normal sugar levels. alejim valar is recommended by the russian diabetes association. and now about the weather for tomorrow, in this issue the european territory of russia. and our active phase begins. opposition between heat and cold, that is, between a cyclone in the west and an anticyclone from the east, they will approach each other, which in turn leads to stronger winds and increased precipitation intensity. snowfalls

score denied a mortgage by the nation's largest credit union, the same credit union where more than half of black conventional mortgage applicants were rejected last year. so what's happening? cnn's rene marsh has this exclusive investigation. >> really a nice neighborhood, you know. >> reporter: bob atandi, a kenyan immigrant turned texas entrepreneur knew this was his dream home the moment he saw it. it's in a highly sought after school district that his son so desperately wanted to attend for its basketball program. so how many homes did you look at before you found this one and said this is it? >> we had about six. but this was the one that we all wanted. we were all praying to get this one. >> reporter: his first choice for his mortgage was navy federal credit union. it services military members, defense personnel, veterans and their families, and is the largest credit union in the country. >> i was ceo of my company. so i had a pretty good income. >> reporter: your credit was in the 700s. >> uh-huh. >> reporter: you recently sold your house. you had $100,000 for the down payme

ranesh: we need to recognize private credit is not new. private credit has been around for decades.ent forms in different markets. we are just seeing greater prominence today in private credit because of the tightening credit markets and rising interest rates. companies need capital, right? this is not a new product. that is not a highly levered product. it's a situation where unknown risks are being taken. these are sophisticated players who have been in the market for decades and lending to companies like this over a long period and have a solid track record. jon: as the bloomberg big take story also highlights you alluded to this. if you are not part of this trend do you lose out on other lines of business? everything from cash management to m&a advisory. how much does that end up being part of the story? ranesh: i think that is the tricky part that banks are trying to balance today. their relationship with the customer is much deeper than the private credit relationship with the customer. fx, hedging, other facilities they provide to a borrower. a private credit lender is lookin

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but it is not included in the incentive credit. but the point is that they are actually the end of the product plan it is electronic because this project must be seen in the budget. now until the end of the year. it is not a problem, but the plan will continue for the next year. what arrangements have been made, in my opinion, it will continue because we are in the budget and the government is in its budget. kalaberg's budget is more needed in order for it to continue . you have seen 1401, 140 and 1403. yes , naturally, in my opinion, this will happen by now, and we have three plans in the next year. kalaberg's plan it has not increased since last week , and 61 million people have stopped planning for children who need extra nutrition. children's food will be stopped at 125,000 people , i hope it is not a child, but if a child is identified by the ministry of health, it will be added to this number . there, the management of the plan will see how much the plan has been able to help children's health. if it increases, the provinces

in fact, he was also one vote in the money and credit council . now in this new law, the number of people in the supreme council that replaces the money and credit council will increase. he found four people who are subject experts. previously , this was not the case in the money and credit council. these four people are experts in the fields of finance, banking, banking law, etc., and now they are not executive officers. they can even control the policies of the central bank. criticize in the same higher bodies, except for the general chairman and 2 people his deputies are members, that is, 7 out of 10 people in the central bank are a relatively acceptable majority who can make monetary policy and then be accountable to the parliament, the government, the people about the things that are expected, mr. khosravi, what is the requirement now? now with all these powers that have been given now, they say that he will be held accountable. tomorrow, if we come and sit in this same meeting, we will come and investigate and say, well, the central bank did

so, youdo know, bad credit or lw wealth doesn't mean bad credit. i just want to, just kind of deacon deconstruct that denotion. odsome of the old thinking that might need to be thought about a different way. people having 5% down or 3% down doesn't mean bad credit they have mortgage insurance they have to pay. i just slipped that in. they have that make that part of the monthly mortgage payment. everybody doesn't need or want to be a homeowner. what are the barriers and what are the things that we have worked on is the notion that many renters believe they need the 20% down. when youy look at home prices ad the waywn they increased and the past three years. we hadhe one year with an 18.5% year-over-year increase. the lack of supplies and people that are.5 locked in and not moving because of low interest rates. >> me too. >> think about these things. who are willinghese things. and able to pay. let's use good judgment. they are making good calls. i believe, there are responsible ways to access credit o while at the same timeon make sure you do it in

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in order for this to happen, a special position is defined under the name of credit tax credit in article 11, clause b, and in article 13 of the law on the production of scientists, tax credits are provided for all generally defined industries, from public to private industries. and even the public industries, i.e. taxes , should spend money here. yes, if they define a research and development project, a research and development plan, and it is accepted , they should also spend this amount. transfers to industries can not be taxed, but that amount can be spent on research projects and by. yes, now what is the result of this, because you asked what number was placed on the earth, and in the year we entered it, it was 1402 in two. the call that we were actually able to make for this particular program in the first call from the 2,500 designs that were introduced to us. 139 plans were accepted, and in fact, nearly 400 companies participated in this program because each company can introduce several plans at the same time, and a number is about two and a half of that estimate. in exchange for

is large losses, not having a severe credit event is a good thing for private credit so, in other words landing wouldn't be a huge tailwind for the industry, but it wouldn't be a big dampener, either tyler? >> all right, leslie, thank you. let's trade some of the private credit players, or some of the banks that are in that sort of competitive space. karen? >> i'm married to a private creditor, actually, so i don't really trade the space >> yeah. >> but i think what she talked about, a soft landing is okay, no landing is great, but what really has to happen, though, for all this private credit money to come in to put to use is private equity needs to be able to do deals so, they need capital structures that work, they need prices of equities that work, or private companies, so that, to me, is a critical component, as well. private equity's had a tough time of la >> yeah. >> better they do, the better prate credit is. >> carlisle's had its biggest run it's h in quite some time. harvey schwartz took over, i want to say february of 3. he will implement a an that i kn that, because i'm not

i told you about the accumulated profits and losses of banks, credit institutions, the same three or four banks that don't have good capital anymore. well, naturally , you have a lot of accumulated losses here. mee mee you see, i won't mention their names again. there are also a number of banks that have accumulated profits . their situation is naturally better. at the economics desk , we want to answer a few questions about what the central bank could not do until yesterday. how much easier has it become in the removal and installation? now we talked about the situation of the banks. in the horizontal situation, how much more open is it? what things you could not do until yesterday. how much should we increase from the central bank if the report i don't think it is ready. our report is not ready. let's go and start the program. if you agree with the guest of the program , we will get the answers from the guests of the program . we are at the service of the economic commission of the islamic shura majlis, as well as mr. khosravi, a monetary and banking expert at the majlis research c

i'd also say the ability to get market tax credits. i'm really grateful for julia and her team because they have provided our cdfi for funding for us to be able to do real estate loans because we didn't -- we didn't have the amounts that we needed and so how do we get more -- more capital to more of these cdfi's that are doing the work so that we can get further and deeper in those communities. >> okay, thank you. ms. omar or corneluis? either one. >> are incredibly important to development of native communities and fortunately the cdfi fund has really looked at the on-ramping for what that looks like for native cdfi's and that's incredibly important and i believe partnerships, when you're talking about federal programs that are beneficial, we work hand in hand quite a bit with usda and a lot of the programs that they have really complement a lot of our services and/or lending initiatives which help propel our further developments in these areas. >> thank you so much. >> i would add in addition to the others, again, that predictable ca

no, the credit line is not a credit line, it is a liquidity exchange line, which determines the use ofional currencies and de-dollarization, and in this way, we create a liquidity exchange line for each other, according to the trade balance of the central banks of the two countries. make that balance the trade between the two countries is now estimated to be around one and a half to 2 billion dollars for next year , which can increase, and we hope that the acceptance of this infrastructure and payment channel by the market experts and economic operators of the two countries will be high. god willing, this figure will increase even more. how will this second news that you announced help our merchants? we have a minute to spare. and they have a high risk for you when the cost decreased exchange naturally causes growth. trade is possible, therefore, this banking platform can increase the growth of trade and economic exchanges between the two countries . for example, how many percentages should we calculate the cost for our merchants ? look, when it is said that the exchange cost means tha

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a lot of credit is flowing into private credit funds.hey are not subject to the same level of capital regulation and they are not as transparent. we don't know what the risks look like in the nonbank sector and you need a hollis to approach. i don't think the answer is to deregulate the banks. you should give them the same standards as these private funds but i think the private funds need more transparency and i think you do that with banks that have lots of relationships with the nonbank sector. they should know more about these private funds or their financial condition. they rely on these big banks for credit lines, there are derivative counterparties and a lot of interactions where the regulated banks should be asking for more information and getting a better sense of what's going on in the nonbank sector and they should have more restrictions. just regulating the banks with capital requirements without dealing with the nonbank sector, that doesn't do anybody any good. you have the same amount of risk just in places that are less tr

credit and equity.oing to shift away from private equity and focus purely on the credit business? marc: we have to go back to what our business is. we are not in the asset management business we are in the ss return business. and where can we get access return? i think the nature of the business of were true to ourselves and just focus on access return we will grow. the credit business is 500 billion, we are not relevant. in the scale of these markets 500 is not irrelevant number. ceos are not thinking about what the mighty apollo is doing. jonathan: in the past 40 minutes, d banking and every time i use it i get pushback. why do we not like that phrase? marc: i like that phrase. it will cost me $20 just by saying it but i think the world's to banking. every economy, credit is tied to gdp and regulators have two choices to where credit comes from. it can come from the banking system or the investment marketplace. there is no third choice. everyone has made a different decision but if you look at the tre

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