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tional trade', Journal of International Economics 9: 469-79.
<strong>ACH</strong> – Automated Clearinghouse, an overnight method of transferring funds electronically via the Federal Reserve.
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credit crunch (E5)<br />A shortage of bank loans and other forms of credit which brings about the curtailment of a business's activities or even its collapse. Credit can be limited by its price, by the type of borrower or by the state of the lender's balance sheet relative to the criteria used by a regulatory body (this often happened in the USA under REGULATION Q). The crunch comes under regulation because the lenders cannot use their own funds.<br /><em>Reference</em><br />Wojnilower, A.M. (1980) 'The central role of credit crunches as recent financial history', Brookings Papers on Economic Activity 2: 277-326.
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<strong>ASA</strong> – American Student Assistance, the MDHE' s servicer for FFEL Program loans.
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