Banking crises generally occur after periods of risky lending and resulting loan defaults. The ratio that applies to bank lending is its capital requirement. In the current financial marketplace lending takes many forms . The financial markets were also deregulated, removing restrictions on interests rates, lending and foreign exchange. In 2011, Boone acted as a spokesperson for Security One Lending, a reverse mortgage company. An investigation had uncovered the erasure of black neighborhoods from mortgage lending maps. This frees up cashflow usable for new lending by the bank. Grameen Bank is best known for its system of solidarity lending. It also provided margin lending, and cash management services. Flexirent is alleged to have strong elements of predatory lending practices. ACORN investigated complaints against companies accused of predatory lending practices. A nation of manufacturing, money lending, and corporations as government. They concentrated in trade, services, and especially in money lending. This led to changes in lending policy at many major American universities. The platform offers alternative lending and flex capital.