As it waits for housing to revive, the company rebuilds capital with stock and bond sales.

Institutional investors no longer trust credit ratings, says former head of structured finance at S&P.

Institutional investors no longer trust credit ratings, says former head of structured finance at S&P.

Amid speculation about downgrades, bank bonds are already at levels suggesting speculative ratings.

Amid speculation about downgrades, bank bonds are already at levels suggesting speculative ratings.

Credit rater will look at how much protection investors get from securities terms.

Credit rater will look at how much protection investors get from securities terms.

Yields on investment-grade corporate debt hit record lows.