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 324 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Consumer Instalment Credit and Public Policy written by Paul Winston McCracken and published by . This book was released on 1965 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Quality of Consumer Instalment Credit written by Geoffrey Hoyt Moore and published by . This book was released on 1967 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Consumer Instalment Credit written by Board of Governors of the Federal Reserve System (U.S.). and published by . This book was released on 1957 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Knowledge and Use of Consumer Instalment Credit by Young Married People of the Lansing Michigan Area written by P. Basil Healey and published by . This book was released on 1963 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Consumer Instalment Credit Growth and import 2 v written by Board of Governors of the Federal Reserve System (U.S.) and published by . This book was released on 1957 with total page 410 pages. Available in PDF, EPUB and Kindle. Book excerpt: "A broad study of the role of consumer instalment credit" conducted in 1956-57.

Download or read book Consumer instalment credit and public policy written by Paul Winston McCracken and published by . This book was released on 1965 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Installment Credit Terms Consumer Behavior and Monetary Policy written by Lawrence Leonard Werboff and published by . This book was released on 1957 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Volume of Consumer Instalment Credit 1929 38 written by Duncan McC. Holthausen and published by . This book was released on 1940 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Commercial Banks and Consumer Installment Credit written by James R. Utz and published by . This book was released on 1957 with total page 222 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Instalment Credit Comes of Age written by Albert Haring and published by . This book was released on 1943 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Consumer Credit in the United States written by D. Marron and published by Springer. This book was released on 2009-11-23 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is commonly imagined that in recent years the rampant growth of consumer credit has lured American consumers into a crippling state of indebtedness, a state that has upended old cultural values of Puritan thrift and stimulated a frenzy of consumption. Drawing on the sociological concept of government and informed by a historical perspective, Marron presents a much more complex and nuanced reality. From its early antecedents in nineteenth century salary lending and instalment selling, she shows how the emergence and growth of consumer credit in the United States have always been subject to shifting regimes of control and regulation.

Download or read book Studies in Consumer Instalment Financing written by and published by . This book was released on 1967 with total page 296 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 . This book was released on 2014 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 Financing the American Dream written by Lendol Calder and published by Princeton University Press. This book was released on 2009-07-01 with total page 394 pages. Available in PDF, EPUB and Kindle. Book excerpt: Once there was a golden age of American thrift, when citizens lived sensibly within their means and worked hard to stay out of debt. The growing availability of credit in this century, however, has brought those days to an end--undermining traditional moral virtues such as prudence, diligence, and the delay of gratification while encouraging reckless consumerism. Or so we commonly believe. In this engaging and thought-provoking book, Lendol Calder shows that this conception of the past is in fact a myth. Calder presents the first book-length social and cultural history of the rise of consumer credit in America. He focuses on the years between 1890 and 1940, when the legal, institutional, and moral bases of today's consumer credit were established, and in an epilogue takes the story up to the present. He draws on a wide variety of sources--including personal diaries and letters, government and business records, newspapers, advertisements, movies, and the words of such figures as Benjamin Franklin, Mark Twain, and P. T. Barnum--to show that debt has always been with us. He vigorously challenges the idea that consumer credit has eroded traditional values. Instead, he argues, monthly payments have imposed strict, externally reinforced disciplines on consumers, making the culture of consumption less a playground for hedonists than an extension of what Max Weber called the "iron cage" of disciplined rationality and hard work. Throughout, Calder keeps in clear view the human face of credit relations. He re-creates the Dickensian world of nineteenth-century pawnbrokers, takes us into the dingy backstairs offices of loan sharks, into small-town shops and New York department stores, and explains who resorted to which types of credit and why. He also traces the evolving moral status of consumer credit, showing how it changed from a widespread but morally dubious practice into an almost universal and generally accepted practice by World War II. Combining clear, rigorous arguments with a colorful, narrative style, Financing the American Dream will attract a wide range of academic and general readers and change how we understand one of the most important and overlooked aspects of American social and economic life.

Download or read book Consumer Credit Annual written by and published by . This book was released on 1968 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Future of Consumer Credit written by Allie L. Harmon and published by . This book was released on 1969 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: