Download or read book Effects of Consumer Loan Rate Ceilings on Competition Between Banks and Finance Companies written by A. Charlene Sullivan and published by . This book was released on 1981 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Evidence of the Effect of Restrictive Loan Rate Ceilings on Prices of Consumer Financial Services written by A. Charlene Sullivan and published by . This book was released on 1980 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Effects of Credit Availability Nonbank Competition and Tax Reform on Bank Consumer Lending written by John V. Duca and published by . This book was released on 1992 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Response of Commercial Banks to Rate Ceilings and Restrictions on Remedies on Consumer Credit Contracts written by A. Charlene Sullivan and published by . This book was released on 1980 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Regulation of the Consumer Finance Industry written by Michael Kawaja and published by . This book was released on 1971 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: Presents a case study of rate ceilings and loan limits in New York State to study how the rate and loan size regulations in the consumer finance industry evolved, and the effects on the character and volume of the lending services.
Download or read book Working Paper written by and published by . This book was released on with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deposit Interest Rate Ceilings and Housing Credit written by United States. President's Inter-Agency Task Force on Regulation Q. and published by . This book was released on 1979 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Impact of Regulation on the Provision of Consumer Financial Services by Depository Institutions written by and published by . This book was released on 1978 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Federal Preemption of State Usury Ceilings 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 1982 with total page 540 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Study of the Savings and Loan Industry written by Irwin Friend and published by . This book was released on 1969 with total page 880 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 Banking Deregulation and the New Competition in Financial Services written by S. Kerry Cooper and published by . This book was released on 1986 with total page 396 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 2002 with total page 360 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 Impact of Bank Competition on the Interest Rate Pass through in the Euro Area written by Michiel van Leuvensteijn and published by . This book was released on 2008 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book State Usury Ceilings written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1979 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Credit Crunch and Reform of Financial Institutions written by United States. Congress. House. Committee on Banking and Currency and published by . This book was released on 1973 with total page 1208 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Competition and Conditions in the Financial System written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1981 with total page 1560 pages. Available in PDF, EPUB and Kindle. Book excerpt:
