Download or read book Washington and Lee Law Review written by and published by . This book was released on 1971 with total page 556 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Denver Law Journal written by and published by . This book was released on 1971 with total page 670 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 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 Personal Finance Law Quarterly Report written by and published by . This book was released on 1966 with total page 576 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book National Consumer Protection Hearings written by United States. Federal Trade Commission and published by . This book was released on 1968 with total page 392 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Marketing Information Guide written by and published by . This book was released on 1968 with total page 942 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Journal of the Midwest Finance Association written by and published by . This book was released on 1972 with total page 678 pages. Available in PDF, EPUB and Kindle. Book excerpt: Includes selected papers presented at its annual meeting.

Download or read book Congressional Record written by United States. Congress and published by . This book was released on 1969 with total page 1322 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Congressional Record is the official record of the proceedings and debates of the United States Congress. It is published daily when Congress is in session. The Congressional Record began publication in 1873. Debates for sessions prior to 1873 are recorded in The Debates and Proceedings in the Congress of the United States (1789-1824), the Register of Debates in Congress (1824-1837), and the Congressional Globe (1833-1873)

Download or read book The Impact of Credit Cards on Small Business written by United States. Congress. House. Select Committee on Small Business. Subcommittee on Special Small Business Problems and published by . This book was released on 1970 with total page 492 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Impact of Credit Cards on Small Business Hearings Before the Subcommittee on Special Small Business Problems of 91 2 on H Res 66 June 8 9 and 10 1970 written by United States. Congress. House. Select Committee on Small Business and published by . This book was released on 1970 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt:

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 Business Law Articles written by Commerce Clearing House and published by . This book was released on 1969 with total page 894 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Consumer Protection Compliance written by and published by . This book was released on 1970 with total page 672 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Consumer Lending in France and America written by Gunnar Trumbull and published by Cambridge University Press. This book was released on 2014-08-11 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: "At the beginning of the 20th century, consumer credit in the United States was perceived as unfair and exploitative. Social reformers fought to limit the economic and social impact of small lenders they decried as loan sharks. Reputable businesses steered clear of sales credit because of the questionable consumers that it would attract. By the 1970s, however, credit in America had been reimagined as a legitimate tool of household finance that was understood to have broad social and economic benefits. This transformation in the moral economy of credit accompanied a revolution in lending technologies and the regulatory treatment of consumer credit. Ultimately, these changes allowed American households to amass unprecedented debt -- debt that eventually precipitated the worst financial crisis of postwar America. To understand the origins of that crisis, we need to understand not just the shifting habits of consumers, but also what happened to lenders as the public moved from opposing credit to embracing it. This book traces how that transformation occurred. Nearly all accounts of the origins of American consumer credit have focused exclusively on the U.S. experience. Single-country case studies have their virtues. But they do not allow the observer easily to differentiate what is unusual about the U.S. case from what is common even to countries with very different credit practices"--

Download or read book Bibliography written by Yale Law Library and published by . This book was released on 1970 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Bulletin written by New York University. Institute of Finance and published by . This book was released on 1967 with total page 698 pages. Available in PDF, EPUB and Kindle. Book excerpt: