1.   Credit-card issuers make much more money off customers who carry balances from month to month than from those who pay off their bills.

2.   If the issuers have made a mistake, taxpayers should ask them to issue corrected forms.

3.   The bank said the structure of most mortgage bonds is dictated by the kind of loans the issuer is making.

4.   The IRS said it would allow issuers to make payments penalty-free for one year after it releases final guidelines.

5.   The IRS said last month it would allow issuers to make payments penalty-free for one year after it releases final guidelines following hearings scheduled for January.