Of all the LIBOR reference rates, the most significant and commonly quoted is the US Dollar Three-Month rate. It is usually referred to as the current LIBOR. Ordinary individuals and most companies don't get charged LIBOR rates. But the LIBOR does act as a benchmark for many consumer loans, investments, and other financial products, somewhat like theThe early 1980s saw the development of a whole host of investments based on interest rates and currency exchanges.
It grew to become a respected benchmark all over the world—until 2012, when news broke that bankers had been rigging rates for years, mainly to help their derivatives traders.
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