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financial conglomerate (G2)<br />A bank or other depository institution offering a wide range of lending and credit facilities. UK BUILDING SOCIETIES and US THRIFTS have increasingly followed the practice of COMMERCIAL BANKS by diversifying into new areas of financial services, aiming to offer customers a wide range of financial products and services. By becoming conglomerates they have become exposed to risks of a kind they have not been used to, and this, together with the increased number of participants in so many financial markets, has threatened profit margins.<br /><em>Reference</em><br />Benston, G. (ed.) (1983) Financial Services, Englewood Cliffs, NJ: Prentice Hall.
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<strong>Deficit Reduction Act of 2005</strong> – Legislation signed into law by President Bush in February of 2006. The portion of the legislation impacting student financial aid provisions, including student loan interest rates and fees, consolidation rules, school as lender, and other policies and procedures, is referred to as the Higher Education Reconciliation Act (HERA) of 2005.
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<strong>FSA Handbook</strong> – Federal Student Aid Handbook, a guide to administering the Title IV financial aid programs, published annually by the U.S. Department of Education.
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