Download or read book Restrictive Rate Ceilings written by Manufacturers National Bank and published by . This book was released on 1982 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: Typescript.
Download or read book Restrictive Effects of Rate Ceilings on Consumer Choice written by Robert Willard Johnson and published by . This book was released on 1980 with total page 70 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 Flaws and Ceilings written by Christopher Coyne and published by London Publishing Partnership. This book was released on 2015-03-27 with total page 227 pages. Available in PDF, EPUB and Kindle. Book excerpt: Price controls across many sectors are currently being hotly debated. New controls in the housing market, more onerous minimum wages, minimum prices for alcohol, and freezes on energy prices are very high up the agenda of most politicians at the moment. Even without any further controls, wages, university fees, railway fares and many financial products already have their prices at least partly determined by politicians rather than by supply and demand in the market. Indeed, barely a sector of the UK economy is unaffected in one way or another by government controls on prices. This book demonstrates why economists do not like price controls and shows why they are widely regarded as being amongst the most damaging political interventions in markets. The authors analyse, in a very readable fashion, the damage they cause. Crucially, the authors also explain why, despite universal criticism from economists, price controls are so popular amongst politicians.
Download or read book The Effects on Consumers and Creditors of Proposed Ceilings on Credit Card Interest Rates written by Glenn Canner and published by . This book was released on 1987 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Credit Card Interest Rate Ceiling and Disclosure 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 1987 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book A Reexamination of the Problem of State Usury Ceilings written by James E. McNulty and published by . This book was released on 1979 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper reviews the research on the impact of state usury ceilings. Existing econometric studies (with some exceptions) rely primarily on cross-sectional analysis, and in addition they appear to suggest that usury ceilings are restrictive only when the ceiling is below average market rates. However, other evidence of a fairly wide distribution of rates within urban mortgage markets suggests that, as interest rates are rising, a given ceiling would begin to be restrictive even before the average rate prevailing in the market reaches the ceiling rate. This hypothesis was upheld in tests using data for savings and loan associations in Georgia. Because there were approximately 17 states with 10 percent usury ceilings in mid-1978, when average market rates were in the 9 1/2% - 9 3/4% range, the restrictiveness of usury ceilings may be significantly greater than is generally considered to be the case. Furthermore, the evidence developed here suggests that the movement toward floating usury ceilings in many states in recent years may not be a welcome development, since such ceilings would tend to discourage higher risk loans, even when the general availability of mortgage credit is good.
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 Expenditure Ceilings A Survey written by Gösta Ljungman and published by International Monetary Fund. This book was released on 2008-12 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper looks at the factors that have to be considered when designing an aggregate expenditure ceiling. It is argued that expenditure ceilings are effective in promoting fiscal discipline and sustainability, but that a number of trade-offs have to be made when setting up a fiscal framework that will survive in a politically charged environment. The paper illustrates the discussion with a case study of medium-term aggregate expenditure ceilings in three countries: Finland, the Netherlands and Sweden.
Download or read book The Phaseout of Deposit rate Ceilings and the Efficacy of Monetary Policy written by Garry J. Schinasi and published by . This book was released on 1981 with total page 17 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 764 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book International Convergence of Capital Measurement and Capital Standards written by and published by Lulu.com. This book was released on 2004 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Financial Repression is Knocking at the Door Again written by Mr.Etibar Jafarov and published by International Monetary Fund. This book was released on 2019-09-30 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial repression (legal restrictions on interest rates, credit allocation, capital movements, and other financial operations) was widely used in the past but was largely abandoned in the liberalization wave of the 1990s, as widespread support for interventionist policies gave way to a renewed conception of government as an impartial referee. Financial repression has come back on the agenda with the surge in public debt in the wake of the Global Financial Crisis, and some countries have reintroduced administrative ceilings on interest rates. By distorting market incentives and signals, financial repression induces losses from inefficiency and rent-seeking that are not easily quantified. This study attempts to assess some of these losses by estimating the impact of financial repression on growth using an updated index of interest rate controls covering 90 countries over 45 years. The results suggest that financial repression poses a significant drag on growth, which could amount to 0.4-0.7 percentage points.
Download or read book The Federal Reserve System Purposes and Functions written by Board of Governors of the Federal Reserve System and published by . This book was released on 2002 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications.
Download or read book Prohibitions Price Caps and Disclosures written by Signe-Mary McKernan and published by DIANE Publishing. This book was released on 2011-06 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study uses new nationally representative data from the National Financial Capability State-by-State Survey to examine the relationship between state-level alternative financial service (AFS) policies (prohibitions, price caps, disclosures) and consumer use of five AFS products: payday loans, auto title loans, pawn broker loans, refund anticipation loans, and rent-to-own transactions. The results suggest that more stringent price caps and prohibitions are associated with lower product use and do not support the hypothesis that prohibitions and price caps on one AFS product lead consumers to use other AFS products. Charts and tables. This is a print on demand edition of an important, hard-to-find publication.
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 Political Economy of Financial Regulation written by Emilios Avgouleas and published by Cambridge University Press. This book was released on 2019-01-31 with total page 531 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examines the law and policy of financial regulation using a combination of conceptual analysis and strong empirical research.
