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Date	Document Type	Title	Issuer/Entity
02 May 2013	Sector Comment	Brazil Raises Deposit Insurance Minimum, a Credit Positive for Small and Midsize Banks
02 May 2013	Sector Comment	Bank of England's Funding Extension and Focus on SMEs Is Credit Positive for UK Banks and Building Societies
29 Apr 2013	Sector Comment	US Crackdown on Payday Lending Is Credit Positive for Targeted Banks
29 Apr 2013	Sector Comment	US Banks Fight Headwind of Noninterest-Bearing Deposit Declines
29 Apr 2013	Sector Comment	Price Transparency on Investment-Linked Products Is Credit Negative to Hong Kong Life Insurers
22 Apr 2013	Sector Comment	China's Guidance on Local-Government Loans Is Credit Positive for Chinese Banks
22 Apr 2013	Sector Comment	China's Relaxation on Ownership Is Positive for Small Insurers, but Negative for Large Ones
08 Apr 2013	Issuer Comment	Mortgage Insurers' Settlement with US Regulator Is Credit Positive	Genworth Mortga... Mortgage Guaran... Radian Guaranty... United Guaranty...
04 Apr 2013	Sector Comment	China's Banks and Insurers Will Benefit from Tighter Regulation on Wealth Management Product
04 Apr 2013	Sector Comment	New Zealand Requirement that Banks Hold More Capital Against High-LVR Home Loans Is Credit Positive
04 Apr 2013	Sector Comment	Norway Proposes Stricter Capital Requirements, a Credit Positive for Norwegian Banks and Covered Bonds	Bustadkreditt S... DNB Boligkredit... Eika Boligkredi... KLP Kommunekred... More Boligkredi... Nordea Eiendoms... Pluss Boligkred... Sor Boligkredit... SpareBank 1 Bol... SpareBank 1 Nae... ...
04 Apr 2013	Sector Comment	Final Medicare Rates for 2014 Are Credit Positive for Health Insurers
03 Apr 2013	Sector Comment	Mexico's Implementation of Basel III Guidelines Have Mixed Credit Implications for Bank Bondholders
27 Mar 2013	Special Comment	Reassessing Systemic Support in US Bank Ratings - An Update and FAQs
25 Mar 2013	Sector Comment	US Consumer Financial Protection Bureau's Fair Lending Guidance Is Credit Negative for Auto Lenders
25 Mar 2013	Sector Comment	European Banks Lag Rest of World in Meeting Basel III Capital Rules
21 Mar 2013	Sector Comment	Norway's Countercyclical Capital Buffers Are Credit Positive for Norwegian Banks and Covered Bonds
18 Mar 2013	Sector Comment	US Federal Reserve Bank Stress Test	BB&T Corporatio... Goldman Sachs G... JPMorgan Chase ...
11 Mar 2013	Sector Comment	Korea Moves Toward a Central Clearing Counterparty, a Credit Positive for Banks	Citibank Korea ... Kookmin Bank Shinhan Bank Standard Charte... Woori Bank
11 Mar 2013	Sector Comment	Increased Capital Requirement for Mortgages Is Credit Positive for Norwegian Banks
11 Mar 2013	Sector Comment	UK Report on Payday Lenders Is Credit Negative for Companies with UK Operations	CNG Holdings, I... Dollar Financia... Speedy Group Ho...
11 Mar 2013	Sector Comment	Banxico's Rate Cut Is Credit Positive for Mexican Banks
11 Mar 2013	Issuer Comment	Steps to Wind Down Fannie and Freddie Won't Harm Current Bondholders	Federal Home Lo... Federal Nationa...
07 Mar 2013	Sector Comment	Mexican Congress Approves a New Insurance Framework, a Credit Positive
07 Mar 2013	Sector Comment	IRS' Proposed Health Insurance Provider Fees Are Credit Negative for US Insurers
07 Mar 2013	Sector Comment	Lithuania's Personal Bankruptcy Law Is Credit Negative for Banks
07 Mar 2013	Sector Comment	Russia's New Capital Rules Are Credit Negative for Subordinated and Hybrid Bank Creditors
07 Mar 2013	Sector Comment	Brazil's Changes to Basel III Rules Introduce Weak Capital to Banks' Core Capital, a Credit Negative
07 Mar 2013	Sector Comment	Japan Hints at Disapproving Post Bank's Expansion into Mortgage Lending, a Credit Positive for Regional Banks
04 Mar 2013	Sector Comment	Regulatory Focus on Offshore Payday Lenders Is Credit Positive for US-Based Lenders	Ace Cash Expres... CNG Holdings, I... Community Choic... Dollar Financia... Speedy Group Ho...