11.   At First USA, Antonini worked to develop a program of selling home equity, consumer and loans using the same technology and techniques used to sell credit cards.

12.   Asset-backed securities are financial instruments used to procure funds, which are structured from and secured by assets including home equity loans.

13.   Bankers report rising delinquencies on car loans and home equity loans and more late payments on home mortgages.

14.   Bank credit cards, home equity lines of credit, revolving credit and education loans were not included.

15.   Banks immediately began cutting their prime lending rates, a step that should lower borrowing costs for some types of home equity loans and some variable rate mortgages.

16.   Beneficial earns profits from the interest customers pay on credit card, home equity and other loans.

17.   Besides paying off their monthly balances or switching to lower-rate cards, many who own their residences are taking out home equity loans.

18.   Boas advises against borrowing more money through consolidation loans or home equity loans to pay off debts.

19.   Both credit card companies and home equity lenders have reduced their required minimum monthly payments to discourage customers from paying off their loans, Sohn said.

20.   A home equity loan, for example, lets you deduct the interest on your income tax return.