<P> This section started to gain importance in the mid-1990s in the renaissance of tramways or "light - rail transit ." Bombardier acquired the assets and designs of Budd Company, Pullman Company, and American Locomotive Company / Montreal Locomotive Works, the latter of which continued in the locomotive business until 1985 . In the Canadian market, they also acquired Hawker Siddeley Canada's Thunder Bay facilities and UTDC (formerly of Kingston), and in Mexico the company acquired Concarril . </P> <P> In 2001 Bombardier acquired Adtranz (DaimlerChrysler Rail Systems), a manufacturer of trains which were widely used throughout Germany and Great Britain . Bombardier was one of the companies that took over British Rail's Research and Development facilities after privatisation (the remainder largely being absorbed into AEA Technology and Alstom). </P> <P> With the acquisition of Adtranz from DaimlerChrysler, Bombardier Transportation emerged as one of the largest manufacturers of railway rolling stock in the world . </P> <P> Bombardier Capital (BC) was the Bombardier division in charge of financial services . From 1973, when it was based in Colchester, Vermont, it offered financial services such as lending, leasing, and asset - management throughout the Americas . In 2001, BC restricted its loan activity to existing customers . The company, which began transitioning some services to Jacksonville, Florida in 1997, ceased taking on new consumer loans in 2001, focusing instead on loans to retailers and gradually downsizing . In November 2004, Bombardier's credit evaluation was downgraded by Moody's from "moderate credit risk" (Baa3) to "questionable credit quality" (Ba2), a below investment grade rating which impacted Bombardier Capital, although the company's transportation division was unaffected . In 2005, Bombardier sold the Inventory Finance Division of BC to GE Commercial Finance . </P>

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