This is a matter of debate over definitions, not about actual knowledge.

me:
>> it's ( GMAC) not a bank, at least not the way "Money & Banking" folks define
>> that term. A bank takes deposits and makes loans.

Sabri Oncu  wrote:
> Correct! But, looked at differently, a bank borrows short-term and
> lends long-term. This is what they mean by the "shadow banking
> system." GMAC borrows short-term and lends long-term, and hence is
> part of the "shadow banking system."
-- 
Jim Devine / "Nobody told me there'd be days like these / Strange days
indeed -- most peculiar, mama." -- JL.
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