Download or read book The Intelligent Use of Consumer Credit written by Retail Credit Federation and published by . This book was released on 1966 with total page 28 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 Credit Risk Scorecards written by Naeem Siddiqi and published by John Wiley & Sons. This book was released on 2012-06-29 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Praise for Credit Risk Scorecards "Scorecard development is important to retail financial services in terms of credit risk management, Basel II compliance, and marketing of credit products. Credit Risk Scorecards provides insight into professional practices in different stages of credit scorecard development, such as model building, validation, and implementation. The book should be compulsory reading for modern credit risk managers." —Michael C. S. Wong Associate Professor of Finance, City University of Hong Kong Hong Kong Regional Director, Global Association of Risk Professionals "Siddiqi offers a practical, step-by-step guide for developing and implementing successful credit scorecards. He relays the key steps in an ordered and simple-to-follow fashion. A 'must read' for anyone managing the development of a scorecard." —Jonathan G. Baum Chief Risk Officer, GE Consumer Finance, Europe "A comprehensive guide, not only for scorecard specialists but for all consumer credit professionals. The book provides the A-to-Z of scorecard development, implementation, and monitoring processes. This is an important read for all consumer-lending practitioners." —Satinder Ahluwalia Vice President and Head-Retail Credit, Mashreqbank, UAE "This practical text provides a strong foundation in the technical issues involved in building credit scoring models. This book will become required reading for all those working in this area." —J. Michael Hardin, PhD Professor of StatisticsDepartment of Information Systems, Statistics, and Management ScienceDirector, Institute of Business Intelligence "Mr. Siddiqi has captured the true essence of the credit risk practitioner's primary tool, the predictive scorecard. He has combined both art and science in demonstrating the critical advantages that scorecards achieve when employed in marketing, acquisition, account management, and recoveries. This text should be part of every risk manager's library." —Stephen D. Morris Director, Credit Risk, ING Bank of Canada
Download or read book Consumer Credit Regulations written by United States. Congress. House. Committee on Banking and Currency. Subcommittee on Consumer Affairs and published by . This book was released on 1969 with total page 554 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer Credit Protection Act written by United States. Congress. House. Committee on Banking and Currency. Subcommittee on Consumer Affairs and published by . This book was released on 1967 with total page 616 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Report written by United States. Consumer Advisory Council and published by . This book was released on 1962 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Truth in Lending 1963 64 written by United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Production and Stabilization and published by . This book was released on 1964 with total page 1054 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Bankruptcy Reform Act of 1998 written by United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law and published by . This book was released on 1975 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Hearings Reports and Prints of the Senate Committee on Banking Housing and Urban Affairs written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1975 with total page 2036 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Bankruptcy Reform Act written by United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Improvements in Judicial Machinery and published by . This book was released on 1975 with total page 1098 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 The Marketing and Transportation Situation written by and published by . This book was released on with total page 908 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Marketing and Transportation Situation written by and published by . This book was released on 1960 with total page 554 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer Credit written by Great Britain. Department of Trade and Industry. Committee on Consumer Credit and published by . This book was released on 1971 with total page 660 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book HUD Challenge written by United States. Department of Housing and Urban Development and published by . This book was released on 1977 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Consumer Credit Protection Act Amendments of 1977 written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and published by . This book was released on 1977 with total page 608 pages. Available in PDF, EPUB and Kindle. Book excerpt:
