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This idea has been around since at least 2005, when Sheila Bair, before her tenure at the FDIC, wrote a paper arguing that banks were the natural solution.
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Interest rate The percentage of an amount of money which is paid for its use for a specified time.
This increased demand for liquid assets has occurred at a time when the low yields on these assets make them less desirable.
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Unlike an interest rate, however, it includes other charges or fees (such as mortgage insurance, most closing costs, discounts points and loan origination fees) to reflect the total cost of the loan.
By law, all banks offer must offer basic accounts, and they're also obliged to make them visible enough that potential applicants know to ask about them.
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