Savings institution deposits and bank deposits are

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Savings institution deposits and bank deposits are backed by two different insurance funds.
Credit unions are not taxed and, as a result, well-run credit unions are often able to charge lower loan rates and pay slightly higher deposit rates than banks.
The National Credit Union Administration is the primary regulator of federally chartered credit unions.
than other types of thrifts.
The largest U.S. banks are larger than the entire credit union industry.
Because of the differences in the makeup of their major loan types, finance companies typically have shorter-term loans than banks.
Sales finance institutions specialize in loan sales to banks and thrifts.
Generally, consumer finance companies make loans to borrowers who have been refused loans at banks due to low income or poor credit.
Generally, a captive finance company is wholly owned by major manufacturing companies with the purpose of providing financing to customers purchasing the parent company's product.
Factoring is the term used when a finance company purchases accounts receivable from corporate customers at premium.
Floor plan loan is a type of short-term loan to finance high priced inventory in which the purchased inventory is placed as collateral for the loan.
Finance companies are regulated at the federal and state levels similar to commercial banks.
Finance companies rely primarily on bank loans and commercial paper as source of funding.
On average, finance companies have higher capital-to-total-asset ratio than that of commercial.

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