1440:
155:
1470:
92:
779:
381:
1897:
51:
1911:
348:. HSBC Finance Corporation was formed from the legal entity that had been known as Household International—shortly after Household International settled for US$ 486 million in charges pertaining to predatory lending, after burning through $ 389 million in legal fees and expenses—and is now expanding its consumer finance model via the HSBC Group to
489:
reports, HSBC Finance has offered to compensate US$ 1.575 billion to resolve all charges in Jaffe v. Household
International. The deal remains subject to ratification by the court which is estimated to result in a pre-tax bill of roughly US$ 585 m to HSBC Finance in the second quarter of 2016 covering attorney costs and expenditures.
461:
The sale of the U.S. credit card division came a little more than a week after HSBC announced that it will sell almost half its retail branches in the United States. That included the sale of 195 branches in New York and
Connecticut to First Niagara Financial Group. HSBC said the two actions are part
457:
On August 10, 2011, Capital One
Financial Corp announced that it will buy the U.S. credit card arm of Britain's HSBC for a premium of about US$ 2.6 billion as a way to expand its domestic credit card business. The acquisition includes the HSBC unit's approximately US$ 30 billion credit card
497:
Over the course of its history, HSBC Finance and its predecessor companies have been subject to various regulatory actions. For instance, it was alleged that
Household Finance had placed borrowers in high-cost loans with costly prepayment penalties which had not been properly disclosed. To resolve
437:
In August 2005, HSBC-N.A. announced plans to acquire Metris
Companies, Inc, a credit card issuer to the U.S. middle market segment. The deal closed in early December 2005 and is an all-cash transaction worth close to US$ 2 billion. HSBC will insert the Metris product line including the American
391:
of
Minneapolis, Minnesota. It claims that in 1895 it was the first financial company to offer the installment plan, under which a consumer loan could be repaid through a regular monthly amount rather than a lump sum on the due date. It was restructured in 1981 under a holding company named Household
441:
In 2009, HSBC Finance
Corporation announced the discontinuation of loan originations of all products by its Consumer Lending business, but continue to service and collect the existing receivable portfolio as it runs off, while continuing efforts to reach out and assist mortgage customers with their
488:
On 16 June 2016, HSBC Finance
Corporation (HSBC Finance) has declared a settlement of a 14-year shareholder class case focused on incidents that happened until HSBC purchased Household International Inc. in 2003. Having recently revealed a possible liability of up to US$ 3.6 billion in regulatory
643:
policies. On 2 March 2009, it was announced that HSBC would no longer accept new business from HFC/Beneficial, and would eliminate 6,100 jobs. The company website now states that the
Beneficial and HFC companies and HSBC Credit Centers have closed their consumer finance businesses in the United
601:
582:
In June 2009, HSBC announced that 100 branches would be closed, including all six in
Scotland, with all branches closing the following month. The remaining branches would be closed to new business, and eventually close altogether. The company website is now offline, it previously stated;
442:
loan repayments and home preservation. The Consumer Lending branch offices, branded in the US as HFC and Beneficial, had ceased taking new loan applications as soon as practical and substantially all branch offices will be closed as soon as commitments to customers are satisfied.
551:
In the United Kingdom, HFC Bank is a sub-prime consumer lender. Its branch network originally consisted of around 125 Beneficial Finance branches. Since Household International's acquisition by HSBC, HFC Bank has worked increasingly closely with
433:
became the highest-paid director in the United Kingdom before announcing his departure in February 2005. On March 2, 2009, HSBC chairman Stephen Green said that, in retrospect, HSBC should not have acquired Household International.
465:
HSBC and Capital One said that they expect no immediate changes to the credit card programs and operations. HSBC customers will see no near-term service changes and should be able to use their credit cards normally.
476:
In April 2015, HSBC Finance was reported as having accidentally uploaded information on United States customers' mortgages, including social security numbers and telephone numbers, to a publicly accessible
1951:
1029:
1219:
1944:
1191:
Regarding Predatory Mortgage Lending and Use of the Board's Authority Under the Home Ownership and Equity Protection Act of 1994 (HOEPA) to Curb Abusive Mortgage Lending
609:
426:
On March 28, 2003, HSBC acquired Household International, which was merged in 2005 with a subsidiary company that became the HSBC Finance Corp. Household International
2523:
1937:
579:
fined HFC ÂŁ1,085,000, for failing to take reasonable care in its sale of Payment Protection Insurance. Beneficial Finance is renowned for its predatory sales tactics.
2518:
1101:"HSBC sells US credit cards to Capital One: British bank makes $ 2.4bn gain in latest sale after disastrous exposure to US sub-prime loans from 2003 Household deal"
764:
1339:
1030:"HSBC plans to close Household Financial, Beneficial consumer loan units: 6,100 jobs to be cut nationwide; CEO says Mettawa headquarters 'is here to stay'"
1039:
1008:
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and Visa credit card loans, private label credit cards, personal non-credit card loans and specialty insurance products to middle-market consumers.
739:
The techniques and experience of HSBC Finance Corporation are being increasingly exported to other HSBC markets, for example, the establishment of
1053:
543:. HSBC Finance Canada ceased operations on March 21, 2012. 75 branches were closed immediately and approximately 500 staff members were laid off.
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of its plan to make HSBC a more internationally focused business, but reassured that the U.S. is still considered a key market in its strategy.
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Children of former full-time Beneficial employees are considered for scholarships to four Maryland institutions of higher learning:
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States, the website is no longer active, and that all loans have been sold with servicing transferred to third-party servicers.
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1189:
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On November 14, 2002, HSBC announced the acquisition of Household International Inc for a total value of US$ 15.3 billion.
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78:
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HSBC Bank Nevada issues a range of HSBC-branded credit cards, to both credit card only customers and customers of
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It's an acquisition we wish we hadn't done with the benefit of hindsight, and there are lessons to be learned.
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credit cards in the United States, including cards for more than 70 active merchant relationships, including
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HSBC Finance Corporation's subsidiaries primarily provide real estate secured loans, auto finance loans,
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this issue, Household agreed to pay $ 484 million in restitution and to change its lending practices.
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DreamCard (under the Direct Merchants Bank brand) into the HSBC-NA credit card family of products.
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company in the United States, with more than 900 branches in 46 states. It provides a variety of
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search. The data included information from a large number of HSBC Finance's subsidiary firms.
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2019:
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Operating under the HFC and Beneficial names, HSBC Finance Corporation is the second largest
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Decision One mortgage company directly originated real estate secured loans sourced through
571:. In October 2007, the Marbles & Beneficial branded credit card portfolios were sold to
30:
This article is about the specialized lender and credit card issuer. For the U.S. bank, see
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8:
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Please help update this article to reflect recent events or newly available information.
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411:. In October 2002, Household International settled for US$ 486 million charges of
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through 75 branches in 10 provinces and via merchant relationship with stores such as
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Household Finance Corporation: A Story of Success Under the Free Enterprise System
1160:"HSBC Finance Corp. Reaches Agreement to Resolve 14-Year Shareholder Class Action"
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Household International was a provider of consumer loans and credit cards in the
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HSBC Finance Corporation has a Canadian operation which it inherited from
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1340:"HSBC US Credit Card Business Sale - Customer Frequently Asked Questions"
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customers, as well as increasing numbers of other product lines such as
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1009:"HSBC Finance Corporation Completes Acquisition of Metris Companies"
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2250:
1987:
1978:
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http://www.fsa.gov.uk/pages/Library/Communication/PR/2008/004.shtml
704:
270:
2086:
1054:"Santander Buys HSBC U.S. Auto Finance Units for $ 3.56 Billion"
2138:
748:
564:
482:
404:
349:
1133:"Mortgage data splashed all over the net. Thanks HSBC Finance"
731:. Most of its card portfolio was sold to Capital One in 2011.
1550:
608:
524:
353:
101:
deal primarily with the United States and do not represent a
1402:
1080:"Capital One to Buy HSBC's U.S. Card Unit for $ 2.6 Billion"
2214:
2005:
1443:
792:
675:. This subsidiary was shut down September 2007 due to the
333:
311:
35:
1313:"Scholarships for Children of Former Beneficial Employees"
1387:
427:
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meltdown. Approximately 1,500 employees were affected.
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321:
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HFC also provides retail finance for stores such as
469:
In 2013, HSBC Finance sold its US consumer loans to
332:
is a financial services company and a subsidiary of
1249:FSA fines HFC Bank ÂŁ1.085 million for PPI failings
969:"HSBC to Acquire Metris for $ 1.59 Billion in Cash"
886:"Household International, Inc. -- Company History"
450:In 2010, HSBC Finance sold its auto loan units to
38:. For other individual entities of the group, see
2524:Financial services companies of the United States
1961:Commercial and retail banks in the United Kingdom
2519:Financial services companies established in 1878
2505:
1437:
1360:
1120:HSBC sells U.S. consumer loans for $ 3.2 billion
387:Household Finance Corp. was founded in 1878 by
1269:Beneficial Finance to shut offices in Scotland
922:"HSBC to Buy a U.S. Lender for $ 14.2 Billion"
392:International Inc., and, in 1998, it acquired
1945:
1460:The Hongkong and Shanghai Banking Corporation
1423:
1071:
585:our branches have been closed since July 2009
99:The examples and perspective in this article
1092:
1078:de la Merced, Michael J. (August 10, 2011).
1077:
1021:
960:
913:
1001:
981:
79:Learn how and when to remove these messages
1952:
1938:
1438:
1430:
1416:
989:"HSBC acquiring credit card issuer Metris"
765:HSBC North America Holdings Inc. factsheet
1403:Household – HSBC Watch consumer advocates
920:Sorkin, Andrew Ross (November 15, 2002).
556:particularly for cross-selling purposes.
191:Learn how and when to remove this message
137:Learn how and when to remove this message
2529:Companies based in Lake County, Illinois
1283:James Charles. Times Online. 3 June 2009
1220:"HSBC Sells Non-Core UK Card Portfolios"
747:, and new business being established in
607:
599:
415:by attorneys general in 46 U.S. states.
1184:
1131:Martin, Alexander J. (April 21, 2015).
939:
937:
14:
2506:
1281:HSBC to close 100 'sub-prime branches'
1271:Jeff Salway. The Scotsman. 5 June 2009
1130:
919:
898:
694:
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1933:
1411:
1098:
1027:
901:"HSBC to buy Household International"
699:HSBC was the third-largest issuer of
595:
1910:
966:
934:
830:
336:. It is the sixth-largest issuer of
148:
85:
44:
899:Church, Emily (November 14, 2002).
24:
1354:
1099:Rushe, Dominic (August 10, 2011).
1017:(Press release). December 1, 2005.
493:Enforcement and regulatory actions
445:
379:
25:
2550:
1376:
1369:Newcomen Society in North America
546:
481:that was subsequently indexed by
60:This article has multiple issues.
34:. For the global HSBC Group, see
2167:National Savings and Investments
1909:
1896:
1895:
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153:
90:
49:
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1305:
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1178:
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1046:
945:"HSBC ends US subprime lending"
838:"Top Ten by Largest Settlement"
758:
666:
473:and Newcastle Investment Corp.
421:
68:or discuss these issues on the
1028:Yerak, Becky (March 3, 2009).
878:
860:
13:
1:
2426:Cambridge & Counties Bank
1970:Banking in the United Kingdom
1837:Charterhouse Capital Partners
967:Dash, Eric (August 5, 2005).
823:
501:
18:Household Finance Corporation
577:Financial Services Authority
234:; 146 years ago
7:
1766:Crédit Commercial de France
770:
113:, discuss the issue on the
27:Subsidiary of HSBC Holdings
10:
2555:
1821:Williamsburgh Savings Bank
1761:Continental Bank of Canada
1711:Canara HSBC Life Insurance
1683:Hang Seng Bank (Hong Kong)
375:
370:
29:
2534:Subprime mortgage lenders
2493:UK Government Investments
2470:
2400:Arbuthnot Latham & Co
2390:
2223:
2185:
2172:UK Government Investments
2159:
2129:
2075:
2040:
2003:
1976:
1967:
1891:
1865:
1829:
1738:
1697:
1670:
1564:
1523:
1477:
1466:
1452:
1361:Gilbert R. Ellis (1979).
506:
317:
305:
287:
277:
260:
246:
228:
218:
208:
162:This article needs to be
2539:Subprime mortgage crisis
1816:Samuel Montagu & Co.
1746:Bank of British Columbia
734:
653:Johns Hopkins University
330:HSBC Finance Corporation
204:HSBC Finance Corporation
2111:Holt's Military Banking
1791:Imperial Bank of Persia
1698:Minority stakes and JVs
842:securities.stanford.edu
575:. In January 2008, the
513:Household International
2246:Allied Irish Bank (GB)
2099:Royal Bank of Scotland
1771:Greenwich Savings Bank
1705:Bank of Communications
1393:Beneficial USA website
613:
605:
452:Santander Consumer USA
394:Beneficial Corporation
384:
2268:The Co-operative Bank
1739:Predecessor companies
1565:Principal local banks
1199:Federal Reserve Board
611:
603:
383:
223:Finance and insurance
2431:Close Brothers Group
2057:Birmingham Midshires
2043:Lloyds Banking Group
1751:Barclays Bank Canada
1042:on October 17, 2015.
471:Springleaf Financial
344:credit cards in the
119:create a new article
111:improve this article
2491:Partially owned by
2456:Rothschild & Co
2177:UK Asset Resolution
1830:Former subsidiaries
1801:Marine Midland Bank
1383:HSBC Global website
846:Stanford Law School
813:HSBC Bank Argentina
745:HSBC Bank Argentina
695:Private label cards
683:HSBC Bank Nevada NA
289:Number of employees
205:
2340:Standard Chartered
2160:Wholly state-owned
1796:Lloyds Bank Canada
1592:Continental Europe
1478:Board of directors
1302:Beneficial Finance
1298:2003-07-19 at the
1293:Beneficial Finance
1256:2008-08-02 at the
888:. FundingUniverse.
868:"HFC: Our History"
677:sub-prime mortgage
661:Washington College
657:St. John's College
614:
606:
596:Beneficial and HFC
519:. The unit offers
385:
293:58,000 (including
282:Financial services
203:
2514:HSBC subsidiaries
2501:
2500:
2449:Kleinwort Hambros
2420:C. Hoare & Co
2391:Other commercial
2325:Secure Trust Bank
2026:HSBC Private Bank
1927:
1926:
1811:Republic New York
1717:HSBC Saudi Arabia
1689:M&S Bank (UK)
1678:First Direct (UK)
1546:HSBC Private Bank
1536:HSBC InvestDirect
1495:Henri de Castries
1188:(June 14, 2007).
997:. August 5, 2005.
953:. March 3, 2009.
729:Saks Fifth Avenue
413:predatory lending
327:
326:
251:Mettawa, Illinois
201:
200:
193:
183:
182:
147:
146:
139:
121:, as appropriate.
83:
16:(Redirected from
2546:
2413:Butterfield Bank
2406:Bank and Clients
2360:Unity Trust Bank
2330:Sainsbury's Bank
2187:Challenger banks
2121:Isle of Man Bank
2105:Messrs. Drummond
2093:Coutts & Co.
2052:Bank of Scotland
1954:
1947:
1940:
1931:
1930:
1918:
1913:
1912:
1904:
1899:
1898:
1852:HSBC Bank Panama
1847:HSBC Bank Canada
1842:HSBC Bank Brazil
1671:Subsidiary banks
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1442:
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1418:
1409:
1408:
1388:HSBC USA website
1372:
1348:
1347:
1342:. Archived from
1336:
1330:
1329:
1327:
1325:
1318:The Hodson Trust
1309:
1303:
1290:
1284:
1278:
1272:
1266:
1260:
1247:
1241:
1240:
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1237:
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1225:. Archived from
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1205:
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1182:
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1056:. Archived from
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1038:. Archived from
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1019:
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1005:
999:
998:
985:
979:
978:
964:
958:
957:
941:
932:
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917:
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910:
896:
890:
889:
882:
876:
875:
870:. Archived from
864:
858:
857:
855:
853:
834:
808:HSBC Bank Canada
787:
782:
781:
780:
753:HSBC Bank Polska
673:mortgage brokers
618:consumer finance
517:HSBC Bank Canada
431:William Aldinger
299:HSBC Bank Canada
242:
240:
235:
206:
202:
196:
189:
178:
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94:
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21:
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2547:
2545:
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2503:
2502:
2497:
2466:
2392:
2386:
2370:Clydesdale Bank
2258:Bank of Ireland
2219:
2181:
2155:
2131:Santander Group
2125:
2071:
2036:
1999:
1994:Barclays Wealth
1972:
1963:
1958:
1928:
1923:
1916:
1902:
1887:
1861:
1825:
1734:
1693:
1666:
1560:
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1436:
1398:HFC USA website
1379:
1357:
1355:Further reading
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1300:Wayback Machine
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1258:Wayback Machine
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1035:Chicago Tribune
1026:
1022:
1007:
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994:Chicago Tribune
987:
986:
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943:
942:
935:
918:
914:
897:
893:
884:
883:
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861:
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849:
836:
835:
831:
826:
783:
778:
776:
773:
761:
737:
697:
685:
669:
629:unsecured loans
612:Beneficial logo
598:
593:
549:
509:
504:
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448:
446:2010 to present
424:
378:
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360:and elsewhere.
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5:
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2475:Big Four banks
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2423:
2416:
2409:
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2388:
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2384:
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2378:
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2375:Yorkshire Bank
2372:
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2357:
2352:
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2342:
2337:
2335:Shawbrook Bank
2332:
2327:
2322:
2317:
2312:
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2287:
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2241:AIB Group (UK)
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1377:External links
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1232:on 2008-09-05
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1186:Swanson, Lori
1181:
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1060:on 2017-05-23
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718:
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701:private label
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690:
689:HSBC Bank USA
680:
678:
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645:
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631:to primarily
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588:
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401:United States
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343:
339:
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334:HSBC Holdings
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295:HSBC Bank USA
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127:November 2011
120:
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88:
87:
82:
80:
73:
72:
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66:
61:
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32:HSBC Bank USA
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2224:Other retail
2151:Santander UK
2143:
2103:
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2076:
2041:
2032:M&S Bank
2024:
2020:HSBC UK Bank
2015:First Direct
2004:
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1914:
1900:
1806:Midland Bank
1785:
1637:Saudi Arabia
1541:HSBC Premier
1363:
1344:the original
1334:
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1316:
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1227:the original
1214:
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1164:businesswire
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1138:The Register
1136:
1126:
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1106:The Guardian
1104:
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1073:
1062:. Retrieved
1058:the original
1048:
1040:the original
1033:
1023:
1012:
1003:
992:
983:
972:
962:
954:
950:Boston Globe
948:
925:
915:
904:
894:
880:
872:the original
862:
852:22 September
850:. Retrieved
841:
832:
803:HSBC Bank UK
785:Banks portal
759:Bibliography
738:
698:
686:
670:
667:Decision One
649:Hood College
646:
641:service plan
615:
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581:
558:
550:
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496:
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475:
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425:
422:2003 to 2010
417:
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389:Frank MacKey
386:
362:
329:
328:
322:www.hsbc.com
267:Niall Booker
247:Headquarters
209:Company type
187:
171:
163:
133:
124:
100:
76:
69:
63:
62:Please help
59:
2443:J.P. Morgan
2393:and private
2280:Danske Bank
2210:Tandem Bank
2145:Cater Allen
2116:Ulster Bank
2067:Lloyds Bank
1878:Swiss Leaks
1781:Guyerzeller
1729:Techcombank
1622:Middle East
1515:Mark Tucker
906:MarketWatch
622:real estate
458:portfolio.
2508:Categories
2479:underlined
2462:Weatherbys
2345:Tesco Bank
2310:Metro Bank
2295:Hodge Bank
1756:Beneficial
1531:HSBC Expat
1510:Noel Quinn
1505:David Nish
1236:2008-07-18
1197:(Speech).
1064:2017-06-20
824:References
793:HSBC Group
637:auto loans
573:SAV Credit
561:John Lewis
541:Arctic Cat
502:Operations
365:MasterCard
338:MasterCard
262:Key people
213:Subsidiary
174:March 2016
65:improve it
2285:easyMoney
2236:Aldermore
2195:Atom Bank
1857:HSBC Rail
1786:Household
1642:Sri Lanka
1602:Hong Kong
1577:Australia
1572:Argentina
1490:Laura Cha
1324:March 13,
1204:March 13,
1144:April 21,
633:sub-prime
533:The Brick
529:insurance
521:mortgages
479:webserver
358:Argentina
301:and CIBM)
115:talk page
71:talk page
40:HSBC Bank
2355:TSB Bank
2251:AIB (NI)
1979:Barclays
1903:Category
1866:Scandals
1685:(63.04%)
1612:Malaysia
1296:Archived
1254:Archived
771:See also
717:Kawasaki
705:Best Buy
604:HFC logo
569:PC World
407:and the
278:Products
271:Chairman
219:Industry
109:You may
2487:italics
2315:Paragon
2087:NatWest
2062:Halifax
1917:Commons
1597:Germany
1170:28 July
725:Polaris
625:secured
537:Henry's
376:Origins
371:History
318:Website
237: (
229:Founded
164:updated
2139:Cahoot
1652:Turkey
1647:Taiwan
1632:Poland
1627:Mexico
1524:Brands
1453:Origin
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713:Yamaha
567:&
565:Currys
539:, and
507:Canada
483:Google
405:Canada
350:Brazil
307:Parent
2273:Smile
2263:Chase
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1731:(15%)
1725:(40%)
1719:(60%)
1713:(26%)
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1551:PayMe
1230:(PDF)
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354:India
117:, or
2481:and
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1883:more
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1326:2022
1206:2022
1172:2020
1146:2015
854:2020
818:Proa
741:Proa
727:and
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639:and
627:and
527:and
342:Visa
340:and
312:HSBC
239:1878
232:1878
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751:by
743:by
428:CEO
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