Download or read book Consumer Credit Costs 1949 59 written by Paul F. Smith and published by . This book was released on 1964 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 The Impact of Public Policy on Consumer Credit written by Thomas A. Durkin and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: As both the twenty-first century and the new millennium opened and the old eras passed into history, individuals and organizations throughout the world advanced their listings of the most significant people and events in their respective specialties. Possibly more important, the tum of the clock and calendar also offered these same observers a good reason to glance into the crystal ball. Presumably, the past is of greatest interest to most people when it permits better understanding of the present, and maybe even limited insight into the outlook. In keeping with the reflective mood of the time, the staff and friends of the Credit Research Center (CRC) at Georgetown University's McDonough School of Business noted that the beginning of the new millennium also marked the beginning of the second quarter-century of the Center's existence. The Center began at the Krannert Graduate School of Management at Purdue University in 1974 and moved to the McDonough School of Business at Georgetown University in 1997. The silver anniversary of its founding offered the occasion for creating more than another listing of significant past accomplishments and milestones. Rather, it offered the opportunity and, indeed, a mandate for CRC as an academic research center, to undertake a retrospective and future look into the status of research questions pertaining to consumer credit markets. For this reason, the Center organized a research conference which was held in Washington, D. C.
Download or read book Consumer Credit in the United States written by United States. National Commission on Consumer Finance and published by . This book was released on 1972 with total page 322 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Technical Studies Prepared For the National Commission on Consumer Finance written by and published by . This book was released on with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Technical Studies written by United States. National Commission on Consumer Finance and published by . This book was released on 1973 with total page 996 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Public Regulation of Financial Services Costs and Benefits to Consumers written by Arnold A. Heggestad and published by Routledge. This book was released on 2019-06-10 with total page 293 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the many studies that have been conducted on the provision of financial services for consumers, regulation has emerged as one of the most important factors. The impact of regulation on financial service industries is a major focus of this comprehensive bibliography of relevant source materials in the field of regulatory economics. The bibliography includes entries from the major economics and finance journals published over the past twenty years, major law and business journals,government documents, books, and doctoral dissertations--all indexed according to subject matter--as well as abstracts of many of the papers.The product of extensive research, Heggestad's work is invaluable to university libraries, regulatory agencies, financial institutions, and financial experts, and is an efficient and essential reference tool for anyone wishing to study specific markets and the impact of financial regulation on them.
Download or read book Statistical Abstract of the United States written by and published by . This book was released on 1968 with total page 1090 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer Credit Labeling Bill written by United States. Congress. Senate. Committee on Banking and Currency and published by . This book was released on 1960 with total page 924 pages. Available in PDF, EPUB and Kindle. Book excerpt: Considers S. 2755, the Finance Charge Disclosure Act, to require loan interest rate disclosure by lenders. Focuses on new automobile financing practices.
Download or read book Harvard Guide to American History written by Frank Freidel and published by Harvard University Press. This book was released on 1974 with total page 644 pages. Available in PDF, EPUB and Kindle. Book excerpt: Editions for 1954 and 1967 by O. Handlin and others.
Download or read book Consumer Credit Labeling Bill Hearings Before a Subcommittee of 86 2 on S 2755 March 23 and 24 April 5 May 6 1960 written by United States. Congress. Senate. Banking and Currency Committee and published by . This book was released on 1960 with total page 932 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Annual Report National Bureau of Economic Research written by National Bureau of Economic Research and published by . This book was released on 1964 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Annual Report of the Director of Research written by National Bureau of Economic Research and published by . This book was released on 1962 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Consumer Finance Industry written by John M. Chapman and published by New York : Columbia University Press. This book was released on 1967 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer Credit written by Great Britain. Department of Trade and Industry. Committee on Consumer Credit and published by . This book was released on 1971 with total page 660 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Consumer Credit Protection Act written by Roberta Anne Ward and published by . This book was released on 1970 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book University of California Union Catalog of Monographs Cataloged by the Nine Campuses from 1963 Through 1967 Authors titles written by University of California (System). Institute of Library Research and published by . This book was released on 1972 with total page 876 pages. Available in PDF, EPUB and Kindle. Book excerpt:
