To obtain new sources of funding, financial institutions and corporations can borrow against assets at a fair market rate or move assets off their balance sheets altogether. Once an originator detaches assets from its balance sheet, it can purchase assets using much more cheaply acquired funding. While most securities involve an outright sale of securities to an issuer, originators may also choose to sell only the credit risk without transferring the legal title. Not only does securitization decrease overall borrowing costs, but it also lowers regulatory minimum capital requirements for banks. The numerous advantages of securitization have led to a proliferation of securitization opportunities, often involving a wide variety of financial assets.