In yet another sign the credit crunch may be ending, some banks are offering loans to consumers with shaky credit.
The bipartisan proposal would make borrowing harder but repayment easier.
Hate those confusing, last-minute 'disclosures' at loan signing? Tell it to lenders who worry improvements will stifle innovation.
Homeowners can borrow up to that amount to make energy-efficient improvements.
The first step is to avoid taking on more debt. It's the most important and hardest step of all.
There are lots of reasons why you shouldn't do this, but let's consider the other side of the argument.
Even bank fees and loan fees and interest rates are fair game for haggling.
It used to be that the only thing a bank or other potential lender would look at before deciding whether to offer you credit was your credit report and score. Not anymore.
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