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Demand for HELOCs Collapses to 15-Year Low American homeowners have learned a lesson, despite what banks. – How Americans have abused HELOCs as ATMs before the mortgage crisis, and how demand for HELOCs has since then collapsed – despite all efforts by the Fed to stimulate this sort of borrowing that leads to consumption – is one of the more interesting long-term shifts in consumer behavior to come out of the crisis.
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