Government support, most notably in the form of TARP and TLGP, and an expanded 23A exemption at Ally Bank Large automotive-finance and mortgage platforms benefiting from expertise in auto finance and exclusivity with GM and Chrysler Heavy concentration on GM products in auto financing Its mortgage-lending subsidiary's operation in the currently weak U.S. mortgage sector Questionable long-term viability of the current business model Wholesale funding profile Standard&Poor's Ratings Services' ratings on GMAC Inc. reflect the significant risks facing the company, including recent asset-quality deterioration in its auto portfolio; the ongoing stress at GMAC's 100% mortgage-lending subsidiary, Residential Capital LLC (CCC/Developing/C); uncertainty as to the fortunes of General Motors (GM; not rated), given GMAC's close business ties with it;
