China to relax curbs on foreign investment in banking, securities – state …

China to relax curbs on foreign investment in banking, securities – state …

FILE PHOTO: Chinese 100 yuan banknotes are seen in a counting machine while a clerk counts them at a branch of a commercial bank in Beijing,
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Fannie Mae: Mortgage Serious Delinquency rate increased in November

These are mortgage loans that are “three monthly payments or more past due or in foreclosure”. The Fannie Mae serious delinquency rate peaked in
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Security Vulnerabilities on N26 Makes Poeple Rethink about Banking Apps' Safety

Security vulnerabilities that could potentially allow hackers to hijack users accounts was found and fixed on N26 internet-only banking platform's
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PHH to Sell Remaining MSRs for $912M

PHH is selling its remaining residential mortgage servicing portfolio to the real estate investment trust New Residential. The $72 billion portfolio
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Property, Real Estate Tax Deadline

GREENE COUNTY, Mo. — Greene County personal property and real estate taxes are due by Dec. 31. Since the office is closed on Saturday, Friday is
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China Strengthens Supervision on Offshore Chinese Yuan (RMB) Lending

Prior to the issuance of Notice 306, offshore RMB lending was conducted in accordance with the Notice on Streamlining Cross-Border RMB Business
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Wake up and smell the coffee, RBI warns banks in report

Mumbai: Proposing to go ahead with a new bunch of banks, such as custodian and wholesale banks, the Reserve Bank of India (RBI) today asked
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Real Estate Bookkeeper

Seeking a full-time Bookkeeper/Controller with real estate management experience in a busy office on the East Side of Manhattan. We are a real
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Title Insurance Closing Agent

Title Insurance Closing Agent. Holiday Builders-HB Title • Melbourne, FL … information against lender instructions, contract and title commitment).
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Freddie Mac prices 2nd offering of credit risk debt notes | SNL

Following a launch in May of the multifamily structured notes, Freddie Mac expects the $43.1 million notes to settle on or around Dec. 29, 2016.
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Canadian real estate in 2017: The experts weigh in

Economists and analysts expect Canada's housing market to slow after a dramatic 2016. But several say it's time to stop calling for a soft landing.
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BPJS Ketenagakerjaan Brokers Mortgage Deal to Secure Housing for Workers

BPJS Ketenagakerjaan Brokers Mortgage Deal to Secure Housing for Workers

Indonesia lenders charged mortgage customers with 10.9 percent annual interest on average in October, down from 11.4 percent a year ago,
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Singapore Nov lending up on general commerce loans

SINGAPORE, Dec 30 (Reuters) – Singapore total bank lending in November rose 0.4 percent from October, due to a rise in general commerce loans,
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Year in Review: Sonoma County homebuyers, renters strained as housing costs soar

When a national housing bubble burst in 2008, home values crashed and demand for new homes tumbled. Housing construction plummeted and
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BRIEF-State Bank of Travancore cuts lending rate under MCLR by 25 bps

BEIJING, Dec 30 China will focus on freeing up foreign investment in banking, insurance, securities and futures as part of a wider opening up of the
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Dzugan Real Estate Gets Keys To Their Own New Office

ONTARIO, OH – Dzugan Real Estate held a Grand Opening Ribbon Cutting Ceremony to celebrate their new office in Ontario. The ceremony was
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Homebuyers are feeling the heat as mortgage rates rise

How will home sales be impacted by the toxic combination of sky-high home prices that even on a national basis exceed the crazy levels of the prior
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Bank lending in Nov up, but weaker than Oct: MAS

BANK lending in Singapore rose 0.4 per cent in November from a month ago, at a weaker pace than the 0.8 per cent growth seen in October,
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Merced County housing market continued to hum along in mid-autumn

In Merced and the surrounding area, home sales continue to be spurred by a growing UC Merced, few homes on the market and other factors, real
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Central bank eases working capital lending norms for MSEs

Central bank eases working capital lending norms for MSEs

Central bank eases working capital lending norms for MSEs. Taking note of cash flow difficulties faced by micro and small enterprises (MSEs) as a
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Will Trump Free Fannie And Freddie From Government Captivity?

Treasury Secretary nominee Steven Mnuchin said on Nov. 30 that Fannie Mae and Freddie Mac should exit government control “reasonably fast,”
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Missoula's soaring housing prices became big issue in 2016

Housing prices affect every segment of the economy in some way or another, and Missoula experienced an unprecedented spike this year. From Jan.
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Blockchain future for banks

Reporter's Notebook is where Banking Exchange staff rise above the ordinary fray Reporter's Notebook is where Banking Exchange staff rise
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Guild Mortgage Company Conroe, TX

Visit your local Guild Mortgage at 2200 North Fm 3083 West in Conroe, Texas, or call (281) 378-8053 to find the right mortgage product to match your
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A Tale Of Two Housing Markets: Hot And Not So Hot

Though housing statistics such as average sales price are typically lumped into one national number, this is extremely misleading: there are two
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Dzugan Real Estate Services opens for business in Richland County

Dzugan Real Estate Services opens for business in Richland County

Joe and Gretchen Dzugan pose in front of their new sign at their Ontario office. The Dzugan Real Estate Services has been in operation for 11 total
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2016 had four-year peak for median sales price

The 2016 Santa Clara County housing market continued to build off of the momentum of the last three years. New price thresholds were set in all tiers
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Filing of The Day: Five Oaks Investment Corp Has Another Bullish Trade, Xl Investments Ltd …

The Company is focused on investing on a leveraged basis in mortgage and other real estate-related assets, particularly residential mortgage loans
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Tracking Williams %R for Claymore Global Real Estate ETF (CGR.TO)

Investors and Traders are always keeping an eye out for certain stock trends. Let's take a look at some technical levels on shares of Claymore Global
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Reverse Mortgages Can Be a Valuable Retirement Tool

Today's reverse mortgage has more uses than you may realize. In fact, many financial advisors are now recommending this loan to their older clients.
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Rental unit supply increases, easing Asheville-area housing crisis

A growing vacancy rate highlights, one expert notes, the possibility of the Asheville housing market becoming saturated with available units. Those are
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5 of the Biggest Celebrity Real Estate Buys of 2016

Living the luxurious life of a celebrity usually includes having a sweet pad. And in 2016, plenty of stars traded up for even sweeter pads. Here are five
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P2P Lending Platform Rupaiya Exchange Secures $200000 in Angel Funding

Earlier this month, Delhi-based peer-to-peer lending platform, Rupaiya Exchange, announced it secured $200,000 in angel funding from HNIs and
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Generous gift: Wife of fallen trooper won't have to pay mortgage for a year

To help ease her burden, her extended family nominated Velma to receive a years' worth of mortgage payments from Altitude Planning and local
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FULL SHOW: Israeli-Palestinian Policy, Boston Housing Market, Remembering Carrie Fisher

These are tense times in the world of Mid-East policy as the United States and Israel are sounding more like adversaries than allies. This comes after
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Swiss National Bank Has $4733000 Position in Two Harbors Investments Corp. (TWO)

Finally, Ausdal Financial Partners Inc. increased its position in shares of … financing and managing residential mortgage-backed securities (RMBS),
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Seattle region home to 10 of nation's 30 most competitive neighborhoods for house hunters, Redfin …

After a report yesterday revealed Seattle had the nation's hottest housing market for the second month running, it should come as no surprise that
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Reverse mortgages: be prepared

Reverse mortgages: be prepared

My prior articles on reverse mortgages have highlighted the many uses, the cost, the downside, the process, the growing acceptance by financial
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Where the Trouble Will Be in Lending Next Year

The commercial-and-industrial loan space is overheated, higher rates could stifle mortgage refinancings, and subprime auto delinquencies are on the
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Easing China's Housing Bubble Has Unintended Side Effects

In China's two-speed property market, prescriptions for deflating big-city bubbles are having unintended side-effects in smaller towns. Soaring prices
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Buying a Home in 2017? These 5 Things Could Jeopardize Your Mortgage

Shockingly, enough people still do things that can cause themselves heartache when applying for mortgages. Here's what you need to know if you're
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Town houses may serve as model for Rapid City housing market

RAPID CITY, S.D. (AP) — Rapid City's block of new tiny town houses may serve as a model in the housing market. The Rapid City Journal
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Connecticut real estate agent arrested for allegedly abusing access to rob homes

A Connecticut real estate agent is facing charges that he abused the access granted to him as an agent to rob a number of homes. CTPost.com has
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10 Must Reads for the CRE Industry Today (December 29, 2016)

(Morningstar); Top 5 real estate trends for 2017 “The real estate market is constantly evolving and 2017 is shaping up to be another year of change.
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Commercial real estate still booming

According to the folks at the CoStar Group, the commercial real estate market is registering annual price gains of more than 8%, as the rally in prices
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We review the year's mortgage market share changes

Yesterday we reviewed the 2016 mortgage rate trends, and noted that the largest bank not only had the highest rate offers during the year, they ended
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Home Lending – Sr. Loan Officer – Salt Lake City, UT

Home Lending – Sr. Loan Officer – Salt Lake City, UT

Proactively identify, develop and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending
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New mortgage rates good for banks, bad for borrowers: RateSpy

Rob McLister, founder of RateSpy.com, joins BNN to discuss the mortgage trends coming in 2017.
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New York Mortgage Trust, Inc. (NASDAQ:NYMT) Receives An Update From Brokers

12/19/2016 – New York Mortgage Trust, Inc. had its “buy” rating reiterated by analysts at Maxim Group. They now have a USD 7 price target on the
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Bankers to protest lack of cash on Jan. 2

Mumbai: Employees of public sector banks will stage a dharna at Azad Maidan on January 2 to protest against the effect of demonetisation on their
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Austin housing market edges down in new Freddie Mac ranking

1 spot, followed by Nashville and Honolulu, with those cities having seen the most improvement in their housing markets, according to the report.
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REAL ESTATE Trends 12.29.16

Amenities: Bay windows with forest and ocean views, exposed vaulted ceilings, hardwood floor, fireplace, built-in bookshelves, granny unit and large
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Home Loan Banks Given Flexibility on Advance Collateral

The exemption for advance collateral does not apply to the FHLBs' mortgage purchase programs, however. Modifications to an existing mortgage
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Oslo home prices due to rise again

It's official: Average residential real estate prices in Oslo rose 22 percent in 2016 and fewer housing units are currently for sale than ever before.
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What's Next: December 30, 2016

Data on bank lending in Singapore last month will be released this morning. Economists are hoping to see a continuation of the lending spurt
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Bumbles and stumbles: These stories changed banking and finance in 2016

Community bank combos: The long-running consolidation of the banking industry was moving at a rapid clip in 2016. In the Bay Area, Mechanics
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Ex-Boyfriend of Dead Real Estate Agent's Daughter Under Suspicion

SAN ANGELO, TX – Since December 12, the Abilene Police Department have been working non-stop to solve the murder case of Tom Niblo,
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Mortgage Peer Network and LendingQB Announce Integration

Mortgage Peer Network has announced an integration with LendingQB's cloud-based loan origination system (LOS). The partnership will allow
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New mortgage rules good for banks, costly for borrowers: RateSpy

New mortgage rules will be good for Canada's big banks but will make mortgages more costly in 2017, says Rob McLister, Founder of RateSpy.com.
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Lucrezia Reichlin | Populism and the future of central banking

Throughout 2016, populist movements in developed countries have set their sights on central-bank independence. To the populist bull, unelected
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Commercial real estate transactions

Commercial real estate transactions

Anchor Health Properties purchased Coit Medical Center, a 32,201-square-foot medical office building on at 12230 Coit Road north of Forrest Lane in
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Real estate disruption to watch in 2017

With the September launch of low-cost, high-tech UK estate agents Purplebricks in Australia, the country's real estate sector had its big “Uber moment”.
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mortgage: Follow first-time home buyer must-do's

Home buying does not begin with home searching – unless you are sitting on a pile of cash and won't need a mortgage. Otherwise, make sure you get
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Real estate: what lies ahead?

The year 2016 began with mixed reactions from the realty sector towards the Real Estate Regulation and Development Act (RERA) followed by the
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BRIEF-Freddie Mac prices $43.1 mln in structured credit risk debt notes

Reuters is the news and media division of Thomson Reuters. Thomson Reuters is the world's largest international multimedia news agency, providing
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3 things to know about the Franklin American Mortgage Music City Bowl

Need a brief primer before you attempt to watch all 40 bowl games this season? We've got you covered. Here are three things you need to know about
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Hancock and Whitney beefs up health care group

Regional lender Hancock and Whitney Bank has added to its health care banking outpost in Nashville with the addition of two directors from Fifth Third
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The real estate 'insanity' appears to be ending in this city

… headed for a double-digit decline in 2017 as buyers drop out of the market, according to the head of Canada's largest real estate services company.
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Wings' Coreau banking on 'home' support in Ottawa start

Wings' Coreau banking on 'home' support in Ottawa start. The netminder's 92-year-old grandmother, among other family members, are expected to
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Mortgage Rates End 2016 With Their Ninth Consecutive Weekly Increase

Freddie Mac's Primary Mortgage Market Survey for the week ending Dec. 29 showed the 30- and 15-year mortgage rates close out the year with their
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Central Bankers Are Losing Faith In Their Own Alchemy

King identifies a basic problem in the banking system that has again and again led to financial crisis. “The idea that paper money could replace
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Refinance mortgage rate moves lower for Thursday

… than a 30-year mortgage would, but it comes with some big advantages: You'll save thousands of dollars over the life of the loan in total interest paid
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Visit us at our New Middletown Location!

Branch Manager: Brooke Darcy. 132 East Main Avenue Middletown, 02842. (401) 856-4033. LOBBY HOURS, OPEN, CLOSE. Monday, 8:30 am, 4:00
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The currency dimension of the bank lending channel in international monetary transmission

We use newly available unique data on the bilateral crossborder lending flows of 27 BIS-reporting lending banking systems to over 50 borrowing
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Understanding Different Kinds of Loans

There are a variety of different home mortgages available to buyers in Flagstaff and nationwide. Deciding which of those mortgages is the right one for
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United Shore to pay feds $48M for bad FHA mortgages

“By holding accountable lenders who fail to comply with underwriting … That is a different type of mortgage business from the “retail lending” done by
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I need to edit my e-mail address

I need to edit my e-mail address – Let TD Helps show you how you can reach your goals.
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Property market hits record low: real estate firm

TAIPEI, Taiwan — Taiwan's real estate market hit a 26-year low in 2016, with a record low 244,000 real estate transactions taking place throughout the
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Homebuilders struggle to meet demand after market crash crippled the industry

This article is the second of a two-part series that looks at the housing market in Louisville. Part 1 examined multifamily housing, and Part 2 addresses
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3 banks may fail to meet minimum capital requirements: shows RBI's stress test

MUMBAI: The risk to Indian financial system in the six months to September rose amid deteriorating asset quality at banks and lenders with exposure
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Have we hit bottom? Edmonton housing bubble will burst, expert says

Have we hit bottom? Edmonton housing bubble will burst, expert says

Real estate prices will eventually collapse in Edmonton, but when the bubble bursts, it will be a “slow leak,” says an Alberta investment manager.
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Private equity players may flock to real estate market

Private equity players, who have so far preferred the structured-debt route to invest in Indian property market, are likely to find the market even more
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LPC: US syndicated lending flat in 2016 after late-year spurt

In the uncertain and volatile three quarters prior to the US election, total lending volume was running at a four-year low. By year end, syndicated
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A Farewell And Thank You!

Over the past 20 years, I have enjoyed the opportunity to teach real estate classes for Southampton College, Long Island University, The Hamptons
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Higher borrowing hits US property market with sales down in November

Pending home sales in the United States dipped in November to their lowest level in nearly a year with buyers put off by higher mortgage rates and not
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Mortgage Servicers: From Down In The Dumps To Sunny Skies Under Trump

This sector is the indisputably un-sexy group known as mortgage servicers, of which some of the main players are Nationstar (NYSE:NSM), Ocwen
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Troy-based lender to pay $48M to resolve allegations it wrote bad mortgages

A nationally known mortgage company based in Troy will be paying $48 million to resolve allegations that it broke federal law when writing bad
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Money supply not enough: Banks to government

NEW DELHI: An internal government review based on feedback from banks suggests that the supply of currency from the Reserve Bank of India may
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US Pending Home Sales Throttled in November

This suggests that 2017 could be a tough year for the U.S. housing market. Contracts to purchase previously-owned homes in the U.S. tanked in
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Year-in-Review: Election day changes local banking industry fortunes

Trump has promised to repeal or curb the Dodd-Frank Wall Street Reform and Consumer Protection Act passed in 2010 that has greatly increased
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Hamilton resident recognized for superior real estate sales

“John's skills and dedication have earned him this position among the top real estate professionals in the company,” said Merit McIntyre, president of
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Women in Banking: Unbiased Online Lending, SEC's Next Head

Online Lending Is Blind: For women small-business owners, the online lending movement appears to be opening doors. Female entrepreneurs who
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News From NAMB: December 29, 2016

News From NAMB is sponsored exclusively by United Wholesale Mortgage. … The big banks think it is the later and are not writing many FHA loans.
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Will 2017 Be The Year Of The African Affordable Housing Revolution?

Will stagnation in the high-end property market force more affordable housing development in Africa? Less than 10% of African households can
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US serves as "global policeman" for financial crimes

Jeremy Tordjman penned a piece originally appearing in Agence France-Presse referring to recent American financial crime retributions as filling the
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PHH to sell off its mortgage servicing rights portfolio in massive deal

Now PHH says it plane to sell its entire remaining servicing rights portfolio — involving about 480,000 mortgages with a total unpaid principal balance
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Two Key Solutions Will Create a New Market Opportunity for

With just two strategic modifications to their processes, wholesale lenders have the potential to unlock a vast new market opportunity. The key lies in
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Canada's housing market expected to cool further in 2017

As they have for nearly every year since the global financial crisis, economic analysts are calling once again for Canada's housing market to cool in
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Business Lending Gains Steam

The demand for new business loans has increased in Germany, defying expectations of a slump in the wake of Britain's decision to leave the
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Increased Deal Activity For Maltese Banks

Malta has witnessed increased deal activity in the banking sector over the past years. We ask why and where the trend is set to go.
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Fair lending to be CFPB's top priority in 2017

Fair lending to be CFPB's top priority in 2017

As a New Year approaches, fair lending will be the priority for the nation's consumer financial cop on the beat. Mortgage and student loan servicing
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Sperm Banking: Buyer Beware

Sperm banking has been around for a long time. Lots and lots of babies have been made through sperm donation, sometimes from a person who is
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Fresno firm tackles two class-action trials in less than two years

The first case, Cortina v North American Title Co., went to trial in Fresno County Superior Court in 2015. In this case, the firm represented about 700
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Banking whales have had their day

Following the 2008 financial crisis, a legitimate response to the billions of dollars spent on emergency bank recapitalisations would have been to
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Council president to pay back real estate commissions

NEWARK – Newark City Council's president has been ordered to pay back more than $6,000 for real estate commissions from the sale of properties in
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Lampert Lending Sears More Cash

Sears Holdings chairman, CEO and majority shareholder Eddie Lampert is ponying up another $200 million to keep his company going. The cash
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Focus on RSI and CCI Levels: Tpg Specialty Lending Inc (TSLX)

After a recent check, shares of Tpg Specialty Lending Inc (TSLX) have a 200-day moving average of 17.38. The 50-day is 18.26, and the 7-day is
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Network Real Estate Specialist

The Network Real Estate Specialist is responsible for task/project management to ensure that assigned projects are completed within stated timelines.
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Italian premier chides ECB for lack of transparency

MILAN (AP) — Italy's premier said Thursday that he was taken aback by the European Central Bank's move to significantly increase the amount of
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Bilingual Administrative Assistant for Mortgage Company

… in every area of residential mortgage lending. We have built a strong reputation as an outstanding mortgage company that serves the lending…
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Market Rover: Looking at Levels on Shares of Artis Real Estate Investment Trust (AX-UN.TO)

Investors and Traders are always keeping an eye out for certain stock trends. Let's take a look at some technical levels on shares of Artis Real Estate
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Ryan Hanson Homes has new real estate sales professional

Kayla Ulschmid, a seasoned real estate sales professional in Detroit Lakes, has joined Ryan Hanson Homes of Keller Williams Realty Professionals.
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Long-Gone Mortgage Trends, Ideas Could Make Comeback in 2017

“It is a cyclical business,” said David Kittle, president of The Mortgage Collaborative, a mortgage and real estate industry cooperative and networking
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Freddie Mac: Mtg Survey: 30Y Fixed Avg 4.32% Dec. 29 Wk

–Despite Recent Increases, 2016's Avg 30-Yr Rate Lowest Since '71. WASHINGTON (MNI) – The following is the text of the latest Freddie Mac Primary
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Mercer County Housing Market Trends

WASHINGTON (December 28, 2016) — Pending home sales dipped in November to their lowest level in nearly a year as the brisk upswing in
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Fed buys $3.2 billion of mortgage bonds, sells none

The New York Fed said on its website the Fed sold no mortgage securities guaranteed by Fannie Mae FNMA.OB, Freddie Mac FMCC.OB or the
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Bad Loans Of Banking Sector Up At 9.1% In September: RBI

India's banking sector continues to be under pressure as the asset quality of scheduled commercial banks deteriorated in the March to September
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5 Things to Know Before You Buy Home Depot Inc. Stock

By Demitrios Kalogeropoulos Published December 29, 2016 Markets Fool. … Home Depot is offsetting the shopper showdown by soaking up market
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5 Tips for Building Relationships with Clients as a Real Estate Agent

As a real estate agent, you're only as good as your clients believe you are. You rely on the excellent testimonials of satisfied clients to help you expand
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Freddie Mac Prices $43.1 Million in Structured Credit Risk Debt Notes

MCLEAN, VA–(Marketwired – Dec 29, 2016) – Freddie Mac ( OTCQB : FMCC ) today announced it recently priced its second offering of a Multifamily
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Real estate heads for subdued start

Real estate heads for subdued start

The year 2016 was significant for the real estate sector due to the number of reforms that were initiated in the period. These include the Goods
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R.I. Real Estate Notes: Award-winning Providence house on the market for $2.2M

The hilltop home was designed by Albert Garcia of Kite Architects, and it is listed with Jim DeRentis of Residential Properties Ltd., according to the
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Kushner, CIM and LIVWRK score $187M loan for Dumbo buy

Kushner, CIM Group and LIVWRK secured a $187 million acquisition loan from Criterion Real Estate Capital to fund their $345 million acquisition of
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Mortgage Closer 1

Mortgage Closer – Warwick, RI. Closer Job Duties. The mortgage closer will be auditing the closing disclosure before it goes to the borrower. The Ideal
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An unprecedented year for real estate industry: Year in Review

Things will likely slow down in future years, but 2016 was still in the middle of the boom for Milwaukee-area real estate, and companies responded
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Bob Massi on what to expect from the 2017 housing market

This material may not be published, broadcast, rewritten, or redistributed. All market data delayed 20 minutes. New Privacy Policy – New Terms of Use
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Troy-based mortgage lender reaches $48 million settlement over bad loans

A Metro Detroit-based mortgage lender has reached a $48 million settlement with the federal government. Troy-based United Shore Financial
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Nov money supply growth slows amid higher lending

The Philippines' money supply continued to grow but more slowly in November than the preceding month amid higher bank lending and withdrawals
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Stress on banking sector significant, says RBI

The Financial Stability Report (FSR) published by the Reserve Bank of India (RBI) on Thursday raised red flags about the health of the banking sector
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United Shore agrees to $48 million settlement with Justice Department

The United Shore Financial Services LLC mortgage banking company has agreed to a $48 million settlement with the U.S. Department of Justice,
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US mortgage refinancings head for 17 year low

US mortgage lenders are heading for the quietest year for refinancings since 2000 as rising interest rates are expected to turn some borrowers off the
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Bank loans grew faster in Nov

MANILA, Philippines – Bank lending growth accelerated to 17.4 percent in November from 16.2 percent in the same period last year to support the
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Compliance Education for Today's Mortgage Professional

Compliance requirements have reached new heights in recent years, impacting virtually everyone involved in mortgage lending regardless of job
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Special Report: 2017 real estate industry outlook

There is solid optimism about the housing market in 2017, with 27.43 percent of respondents saying they are extremely optimistic. More than half of
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When The Trend Is Not Your Friend…

Are the trendsetters making money, or is it the trend followers? Think of any industry, from Real Estate to technology, to medicine; what people are
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Marijuana news, facts & information about real estate:

HARD CAR eliminates the risks by deploying professionally trained security agents, discreet armored vehicles, proven real time GPS tracking and
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UK house prices rose higher than market expectations likely to cool down in 2017

Housing prices in the United Kingdom rose during the month of December, higher than what markets had initially anticipated; however, the pace of
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Thousands of RBS customers paid mortgage twice after 'glitch'

Thousands of RBS customers have had their mortgage payment taken twice this month after a systems failure, STV has learned. It is understood
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Eurozone lending climbs in November

LENDING to households and companies picked up in November in the eurozone, the European Central Bank said yesterday, signaling that its efforts
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Finland's New Law: Bank Account Freedom Means More Data Collection

Finnish law will enable citizens from any EU state to open a dinosaur bank account in Finland from Jan. 1, but information-sharing could mean this is a
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