Finance companies that target individuals with excessive levels of personal debt or those with several different loans, then consolidate these debts into one loan that is easier to manage or has a lower principal repayment than the individual debts when combined

Interest income less interest expense

ADIs that historically concentrated on consumer products predominately funded from deposits but have recently pursued corporate business to facilitate growth and product diversification

Income derived from activities such as fi nancial planning, charging fees on mortgages and other loans, commissions and dividends from investments

Captive sales finance companies that are subsidiaries of major retailers and car manufacturers

Lending secured by second mortgages over real estate

A credit plan operated by a finance company under a retailer's name

An ownership share in a credit union

A capital account that represents the balance of credit union member shares that have been redeemed (because of member resignations)

Financing of inventory available for sale for retailers of large-cost, low-volume items such as motor vehicles

The process by which a finance company helps a dealer finance the purchase of goods

Revolving credit secured with a second mortgage

Finance companies that offer very short-term loans at exceedingly high interest rates

Finance companies that specialise in making cash loans to consumers

The purchase by a fi nance company of a business fi rm's accounts receivable

The traditional requirement of credit unions that members were of a particular occupation, association, residence or other specified group

ADIs that are owned and operated democratically by their members

Finance companies that finance goods sold by their parent companies

Income earned from deposits with financial institutions, interest from investment securities and interests on loans and advances made to clients

Finance companies that specialise in a particular type of finance product

Companies that raise funds from wholesale markets and retail investors and then provide loans to households and small-to medium-sized enterprises

Funding provided by larger parent companies