Download or read book Safeguarding Consumers Financial Data written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on National Security and International Trade and Finance and published by . This book was released on 2015 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Democracy Declined written by Mallory E. SoRelle and published by University of Chicago Press. This book was released on 2020-12-14 with total page 302 pages. Available in PDF, EPUB and Kindle. Book excerpt: As Elizabeth Warren memorably wrote, “It is impossible to buy a toaster that has a one-in-five chance of bursting into flames and burning down your house. But it is possible to refinance an existing home with a mortgage that has the same one-in-five chance of putting the family out on the street.” More than a century after the government embraced credit to fuel the American economy, consumer financial protections in the increasingly complex financial system still place the onus on individuals to sift through fine print for assurance that they are not vulnerable to predatory lending and other pitfalls of consumer financing and growing debt. In Democracy Declined, Mallory E. SoRelle argues that the failure of federal policy makers to curb risky practices can be explained by the evolution of consumer finance policies aimed at encouraging easy credit in part by foregoing more stringent regulation. Furthermore, SoRelle explains how angry borrowers’ experiences with these policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals—they threaten the stability of entire economies. SoRelle identifies pathways to mitigate these potentially disastrous consequences through greater public participation.
Download or read book Watchdog written by Richard Cordray and published by Oxford University Press. This book was released on 2020-02-03 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every day across America, consumers face issues with credit cards, mortgages, car loans, and student loans. When they are cheated or mistreated, all too often they hit a brick wall against the financial companies. People are fed up with being run over by big corporations, and few have the resources or expertise to fight back on their own. It is no wonder consumers feel powerless: they are outgunned every step of the way. Since 1970, the financial industry has doubled in size. It is the biggest source of campaign contributions to federal candidates and parties, spending about $1 billion annually on campaigns and another $500 million on lobbying. The four biggest banks each now has more than $1 trillion in assets. Financial products have become a mass of fine print that consumers can hardly even read, let alone understand. Growing problems in the increasingly one-sided finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Sharing the stories of individual consumers, Watchdog shows how the Bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how our system can be reformed by putting government back on the side of the people, to strengthen our families, safeguard the marketplace, and establish a new baseline of fairness in our democratic society.
Download or read book Financial Data Protection Act of 2006 June 2 2006 109 2 House Report No 109 453 Part 3 written by and published by . This book was released on 2006 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Financial Data Protection Act of 2006 May 4 2006 109 2 House Report No 109 454 Part 1 written by and published by . This book was released on 2006 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Proposed Consumer Financial Protection Agency written by United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Trade, and Consumer Protection and published by . This book was released on 2012 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Consumer Financial Protection Bureau s Semiannual Report to Congress written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2017 with total page 512 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book H R 3997 Financial Data Protection Act of 2005 written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2006 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Data Protection and the Consumer written by United States. Congress. House. Committee on Small Business. Subcommittee on Regulatory Reform and Oversight and published by . This book was released on 2006 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book A Commercial Law of Privacy and Security for the Internet of Things written by Stacy-Ann Elvy and published by Cambridge University Press. This book was released on 2021-07-29 with total page 363 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the Internet of Things (IoT) era, online activities are no longer limited to desktop or laptop computers, smartphones and tablets. Instead, these activities now include ordinary tasks, such as using an internet-connected refrigerator or washing machine. At the same time, the IoT provides unlimited opportunities for household objects to serve as surveillance devices that continually monitor, collect and process vast quantities of our data. In this work, Stacy-Ann Elvy critically examines the consumer ramifications of the IoT through the lens of commercial law and privacy and security law. The book provides concrete legal solutions to remedy inadequacies in the law that will help usher in a more robust commercial law of privacy and security that protects consumer interests.
Download or read book H R 4321 Financial Information Privacy Act written by United States. Congress. House. Committee on Banking and Financial Services and published by . This book was released on 1998 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Examining Legislative Proposals to Reform the Consumer Financial Protection Bureau written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2014 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book EU Competition Law the Consumer Interest and Data Protection written by Federico Ferretti and published by Springer. This book was released on 2014-07-24 with total page 135 pages. Available in PDF, EPUB and Kindle. Book excerpt: The legitimacy or illegitimacy of information exchanges between competitors remains a topical debate with regard to EU competition law and policy. This book reexamines the issue in the retail financial services sector, focusing on the peculiar problems that it poses for EU market integration, consumer policy and protection and the intersection with fundamental rights. It analyzes and reflects on the relevant case law and guidelines offered by the corresponding European authorities, providing a critique of the current approach and advancing the proposition that information markets themselves need attention, in addition to the markets that they serve. The book also advances new perspectives on cases in which consumers’ personal information is involved in the exchange, recognizing the inevitable interaction between EU competition law, the interests and protection of consumers and personal data protection. It suggests that the status quo under competition law is unsatisfactorily short sighted and that the EU should take a holistic approach (including information markets) to the analysis of competition law, reflecting consumer protection and fundamental rights aspects in the assessment.
Download or read book Protecting Personal Consumer Information from Cyber Attacks and Data Breaches written by United States. Congress. Senate. Committee on Commerce, Science, and Transportation and published by . This book was released on 2014 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer data protection in Brazil China and Germany written by Rainer Metz and published by Göttingen University Press. This book was released on 2016 with total page 229 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rapid development of new information and communication technologies has changed people’s everyday life and consumption patterns significantly. The worldwide spread of those technologies provides many innovations for consumers, but it can also bear risks, such as the indiscriminate collection, storage and cross-border flow of personal data, illegal spying on Internet activities, dissemination of personal information, and abuse of user passwords. The study deals with the current state of consumer data protection law in Brazil, China and Germany from a comparative perspective. It covers the main legal issues of consumer privacy and data protection in these countries and seeks to explain current issues and case law concerning consumer data protection from a practical perspective.
Download or read book Protecting Consumers Data written by United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Trade, and Consumer Protection and published by . This book was released on 2005 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer Finance written by Adam J. Levitin and published by Aspen Publishing. This book was released on 2022-09-15 with total page 854 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Finance:Markets and Regulation is the first law school text to focus on consumer financial services markets and their regulation.Structured around clear expository text and realistic problem sets, the book provides comprehensive coverage of the regulation of consumer credit, payments, and financial data markets by federal, state, and private law, including detailed coverage of the authority of the Consumer Financial Protection Bureau (CFPB), a powerful new federal regulatory agency.The book also acquaints students with the full range of consumer financial products, how they operate, the risks and policy issues they raise, and their regulation.In so doing, the book provides an applied look at how regulatory agencies work, offering students a practical look at how statutes and regulations interact and how regulatory agencies enforce them. New to the Second Edition: Coverage of new Regulation F, implementing the Fair Debt Collection Practices Act Coverage of buy-now-pay-later Coverage of retail installment sales contracts and time-price doctrine Coverage of rent-to-own contracts Expanded coverage of rent-a-bank arrangements Expanded coverage of anti-money laundering regulations Professors and students will benefit from: Detailed coverage of the Consumer Financial Protection Bureau (CFPB), a new federal regulatory agency with broad authority over consumer credit, payment, deposit, and financial data markets.& Comprehensive treatment of consumer credit regulation, including mortgages, credit cards, auto loans, student loans, and small dollar loans, as well as credit disclosures, usury, and fair lending regulation. State-of-the-art coverage of consumer payment systems, with detailed coverage of electronic payment systems (credit cards, debit cards, ACH) and mobile wallets. Coverage of topics not found elsewhere in law school curriculum, including anti-money laundering regulations, behavioral economics, fair lending laws, and consumer financial data privacy and data security. Free companion statutory supplement (available on website).
