Download or read book The Consumer Information Catalog written by and published by . This book was released on with total page 790 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Home Mortgage Disclosure Act written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage and published by . This book was released on 1992 with total page 1036 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Subject Guide to Books in Print written by and published by . This book was released on 1993 with total page 2160 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Monthly Catalogue United States Public Documents written by and published by . This book was released on 1990 with total page 1586 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Paperbound Books in Print written by and published by . This book was released on 1992 with total page 1624 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Discriminating Risk written by Guy Stuart and published by Cornell University Press. This book was released on 2018-07-05 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: The U.S. home mortgage industry first formalized risk criteria in the 1920s and 1930s to determine which applicants should receive funds. Over the past eighty years, these formulae have become more sophisticated. Guy Stuart demonstrates that the very concepts on which lenders base their decisions reflect a set of social and political values about "who deserves what." Stuart examines the fine line between licit choice and illicit discrimination, arguing that lenders, while eradicating blatantly discriminatory practices, have ignored the racial and economic-class biases that remain encoded in their decision processes. He explains why African Americans and Latinos continue to be at a disadvantage in gaining access to loans: discrimination, he finds, results from the interaction between the way lenders make decisions and the way they shape the social structure of the mortgage and housing markets.Mortgage lenders, Stuart contends, are embedded in and shape a social context that can best be understood in terms of rules, networks, and the production of space. Stuart's history of lenders' risk criteria reveals that they were synthesized from rules of thumb, cultural norms, and untested theories. In addition, his interviews with real estate and lending professionals in the Chicago housing market show us how the criteria are implemented today. Drawing on census and Home Mortgage Disclosure Act data for quantitative support, Stuart concludes with concrete policy proposals that take into account the social structure in which lenders make decisions.

Download or read book Aging written by and published by . This book was released on 1990 with total page 544 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Family Economics Review written by and published by . This book was released on 1991 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Protecting Main Street written by Paul C. Lubin and published by Routledge. This book was released on 2010-09-13 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: First Published in 2010. Routledge is an imprint of Taylor & Francis, an informa company.

Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by Oxford University Press. This book was released on 2014-07-16 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.

Download or read book ACCI Newsletter written by and published by . This book was released on 1989 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Federal Regulatory Guide written by CQ Press, and published by CQ Press. This book was released on 2020-04-28 with total page 1145 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Regulatory Directory, Eighteenth Edition continues to offer a clear path through the maze of complex federal agencies and regulations, providing to-the-point analysis of regulations. Information-packed profiles of more than 100 federal agencies and departments detail the history, structure, purpose, actions, and key contacts for every regulatory agency in the U.S. government. Now updated with an improved searching structure, the Federal Regulatory Directory continues to be the leading reference for understanding federal regulations, providing a richer, more targeted exploration than is possible by cobbling together electronic and print sources.

Download or read book Annual Report written by Federal Financial Institutions Examination Council (U.S.) and published by . This book was released on 1980 with total page 588 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Monthly Catalog of United States Government Publications written by and published by . This book was released on 1990 with total page 1588 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Security Analysis on Wall Street written by Jeffrey C. Hooke and published by John Wiley & Sons. This book was released on 1998-04-06 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt: Table of Contents

Download or read book Census and You written by and published by . This book was released on 1990 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The New York Times Guide to Essential Knowledge written by The New York Times and published by Macmillan. This book was released on 2011-10-25 with total page 1378 pages. Available in PDF, EPUB and Kindle. Book excerpt: Presents information on nearly fifty major categories such as architecture, biology, business, history, medicine, sports, and film; a biographical dictionary; a list of the wonders of the world; and a writer's guide to grammar.