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<strong>Lender</strong> – A lender in the FFEL Program may be a national or state chartered bank, a mutual savings bank, a credit union, an insurance company, or other entity that provides the actual student loan funds to schools and borrowers.
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Bank Charter Act 1844 (E5, N2)<br />UK statute which was the last major nineteenth-century attempt to regulate the UK banking system by the creation of new rules for the operation of the Bank of England, particularly through control of the note issue. The Bank was divided into an Issue Department responsible for the note issue and a Banking Department engaged in other bank activities. The Bank's note issue was limited to a 'fiduciary issue' of ?14 million (backed by government securities) and the remainder was backed by gold which rose and fell in amount according to international transactions. The Act also regulated the seventy-two country banks which had rights of note issue: not until 1921 did the Bank have a monopoly of note issue in England and Wales (Scotland retained its separate banking system with a number of banks having the power to issue banknotes after the Act of Union in 1707). The rigidity of the Act necessitated its suspension during several trade depressions. However, it did represent a triumph for the thinking of the CURRENCY SCHOOL.
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selection bias (C1)<br />A deviation from the random selection method of sampling. Although selections which depart from the random method of selection fail to provide an accurate description of the population sampled, models of self-selection have often been used in economics, e.g. to study occupational choice, the returns to training and the returns to schooling.<br /><em>Reference</em><br />Roy, A.D. (1951) 'Some thoughts on the distribution of earnings', 0xford Economic Papers, New Series 3: 135-46.
<strong>FY</strong> – Fiscal Year, an annual budgetary period. A fiscal year may defined as a calendar year or other period, such as a State Fiscal Year (July 1-June 30) or Federal Fiscal Year (October 1– September 30).
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