Pay-Day and Same-Day Loans, Mortgage Refinancing," _U.S. Government Accountability Office_ , January 2014, . . Ibid. . Sushil Wadhwani and Gareth Hewitt, "Same-Day Payday Loans: The Cost of the $1 a Day Payday Lending Fad," CreditCards.com, August 30, 2013, . . James Surowiecki, "The Coming Debt Crisis," _New Yorker_ , June 27, 2012, . . Elizabeth Warren and Amelia Warren Tyagi, "The $70 Billion Problem: Why Most Americans Don't Have Enough Savings to Retire Comfortably," _Boston Globe_ , October 20, 2010, . . Matthew T. Green, "The Causes of the Great Recession and the Difficulty of Avoiding a Repeat," Federal Reserve Bank of St. Louis, December 17, 2010, http://www.stlouisfed.org/financial-institutions/central-banking-history/federal-reserve-bank-of-st-louis/articles/the-causes-of-the-great-recession-and-the-difficulty-of-avoiding-a-repeat. . "Policymakers' Response to the Subprime Crisis," _New York Times_ , June 20, 2013, . . U.S. Senate Permanent Subcommittee on Investigations, _Wall Street and the Financial Crisis: Anatomy of a Financial Collapse_ (Washington, DC: Government Printing Office, 2011). . "New York Fed Chief Lends Cautious Support to New Bill, Bill Clears Committee," Reuters, January 14, 2010, . . Sudeep Reddy, "Citigroup's Troubled Legacy: Too Big to Succeed," _Foreign Policy in Focus_ , November 18, 2008, . . Michael Greenberger, "How Do We Reform Capitalism?," _New York Times_ , October 17, 2008, . . "SIFMA Issues Framework for Risk Disclosures," _New York Times_ , April 2, 2010, . . Michael J. de la Merced, "Citigroup Says It Is Being More Cautious on Commercial Loans," _New York Times_ , October 27, 2008, . . Kevin B. Jones, "New Mortgage Rules Set to Strengthen Regulation," _New York Times_ , June 4, 2013, . . Tom Braithwaite, "The Risk of Mortgage-Bond Ratings: A Primer," _Financial Times_ , October 25, 2008, . . Tom Braithwaite, "Citi Looks to Take Stranglehold of Mortgages," _Financial Times_ , May 17, 2008, . . "Citigroup Stands Firm," _Business Week_ , July 19, 2008, . . Ibid. . "The Citigroup Way," _Economist_ , June 16, 2008, . . Kevin B. Jones, "Citigroup Announces New Business Lines," _New York Times_ , February 23, 2007, . . Michael de la Merced, "Citi Eyes New Line of Business," _New York Times_ , March 24, 2007, . . Michael de la Merced, "Citigroup to Acquire Banco Santander of Brazil," _New York Times_ , April 30, 2007, . . "In Banco Santander Case, a Bank's Right to Pay Is as Important as Its Right to Sell," _New York Times_ , April 30, 2007, . . Michael de la Merced, "Citigroup to Buy Santander Group's Unit in Spain," _New York Times_ , April 30, 2007, . . Ibid. . Michael de la Merced, "Citigroup to Be Target of S.E.C. Inquiry," _New York Times_ , May 1, 2007, . . Michael de la Merced, "Merrill Lynch and Citigroup Face Federal Probes," _New York Times_ , May 10, 2007, . . Ibid. . Elizabeth Warren and Amelia Warren Tyagi, "The $70 Billion Problem: Why Most Americans Don't Have Enough Savings to Retire Comfortably," _Boston Globe_ , October 20, 2010, . . "The Problem of Sub-Prime Mortgage Credit," _New York Times_ , October 22, 2010, . . U.S. Senate Permanent Subcommittee on Investigations, _Wall Street and the Financial Crisis: Anatomy of a Financial Collapse_ (Washington, DC: Government Printing Office, 2011). . Joe Palazzolo, "Homeowners and Mortgage Companies Hit Hard by Foreclosures, Cancelings," _Wall Street Journal_ , May 28, 2012, . . Warren and Tyagi, "The $70 Billion Problem." . "The Subprime Mortgage Crisis," _Economist_ , November 29, 2012, . . Ibid. . Ibid. . Ibid. . Ibid. . Ibid. . "An Overview of the Mortgage Industry," _CFP Board_ , 2012, .