Consumer Financial Protection Efforts
DOWNLOAD
Download Consumer Financial Protection Efforts PDF/ePub or read online books in Mobi eBooks. Click Download or Read Online button to get Consumer Financial Protection Efforts book now. This website allows unlimited access to, at the time of writing, more than 1.5 million titles, including hundreds of thousands of titles in various foreign languages. If the content not found or just blank you must refresh this page
Consumer Financial Protection Efforts
DOWNLOAD
Author : United States Congress
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2017-10-04
Consumer Financial Protection Efforts written by United States Congress and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-10-04 with categories.
Consumer financial protection efforts : answers needed : hearing before the Committee on Oversight and Government Reform, House of Representatives, One Hundred Twelfth Congress, first session, July 14, 2011.
Consumer Financial Protection Efforts
DOWNLOAD
Author : United States. Congress. House. Committee on Oversight and Government Reform
language : en
Publisher:
Release Date : 2012
Consumer Financial Protection Efforts written by United States. Congress. House. Committee on Oversight and Government Reform and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Business & Economics categories.
Consumer Financial Protection Efforts Answers Needed Serial No 112 88 July 14 2011 112 1 Hearing
DOWNLOAD
Author :
language : en
Publisher:
Release Date : 2012
Consumer Financial Protection Efforts Answers Needed Serial No 112 88 July 14 2011 112 1 Hearing written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.
Consumer Financial Protection Efforts
DOWNLOAD
Author : United States. Congress. House. Committee on Oversight and Government Reform
language : en
Publisher:
Release Date : 2012
Consumer Financial Protection Efforts written by United States. Congress. House. Committee on Oversight and Government Reform and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Consumer protection categories.
Semi Annual Report Of The Consumer Financial Protection Bureau
DOWNLOAD
Author : Consumer Financial Protection Bureau
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2015-01-18
Semi Annual Report Of The Consumer Financial Protection Bureau written by Consumer Financial Protection Bureau and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-01-18 with Business & Economics categories.
The Consumer Financial Protection Bureau (CFPB or Bureau) presents this Semi-Annual Report to the President, Congress, and the American people, in fulfillment of its statutory responsibility and commitment to accountability and transparency. This report provides an update on the Bureau's mission, activities, accomplishments, and publications since the last Semi-Annual Report, and provides additional information required by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank or Dodd-Frank Act). The Dodd-Frank Act created the Bureau as the nation's first federal agency with a mission of focusing solely on consumer financial protection and making consumer financial markets work for American consumers, responsible businesses, and the economy as a whole. In the wake of the financial crisis of 2008-2010, the President and Congress recognized the need to address widespread failures in consumer protection and the rapid growth in irresponsible lending practices that preceded the crisis. To remedy these failures, the Dodd-Frank Act consolidated most Federal consumer financial protection authority in the Bureau. The Dodd-Frank Act charged the Bureau with, among other things: - Ensuring that consumers have timely and understandable information to make responsible decisions about financial transactions; - Protecting consumers from unfair, deceptive, or abusive acts and practices, and from discrimination; - Monitoring compliance with Federal consumer financial law and taking appropriate enforcement action to address violations; - Identifying and addressing outdated, unnecessary or unduly burdensome regulations; - Enforcing Federal consumer financial law consistently in order to promote fair competition; - Ensuring that markets for consumer financial products and services operate transparently and efficiently to facilitate access and innovation; and - Conducting financial education programs. The Bureau has continued its efforts to listen and respond to consumers and industry, to be a resource for the American consumer, and to develop into a great institution worthy of the responsibility conferred on it by Congress.
The Consumer Financial Protection Bureau S Semiannual Report To Congress
DOWNLOAD
Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
language : en
Publisher:
Release Date : 2015
The Consumer Financial Protection Bureau S Semiannual Report To Congress written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with Consumer protection categories.
The Consumer Financial Protection Bureau
DOWNLOAD
Author : Paul J. Cerutti
language : en
Publisher:
Release Date : 2012-12
The Consumer Financial Protection Bureau written by Paul J. Cerutti and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-12 with Consumer protection categories.
In the wake of the worst U.S. financial crisis since the Great Depression, Congress passed and the President signed into law sweeping reforms of the financial services regulatory system through the Dodd-Frank Wall Street Reform and Consumer Protection Act. This book provides an overview of the regulatory structure of consumer finance under existing federal law before the Dodd-Frank Act went into effect and examines arguments for modifying the regime in order to more effectively regulate consumer financial markets. Also analysed is how the CFP Act changes the legal structure, with a focus on the Bureau's organization; the entities and activities that fall and do not fall under the Bureau's supervisory, enforcement, and rule-making authorities; the Bureau's general and specific rule-making powers and procedures; and the Bureau's findings.
Consumer Financial Protection Bureau
DOWNLOAD
Author : U.s. Government Accountability Office
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2017-07-24
Consumer Financial Protection Bureau written by U.s. Government Accountability Office and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-07-24 with categories.
" The Dodd-Frank Wall Street Reform and Consumer Protection Act created CFPB to regulate the provision of consumer financial products and services. In 2014, congressional hearings included testimony from CFPB employees about allegations of discrimination and retaliation, which raised concerns about CFPB's management practices and culture. GAO was asked to review personnel management and organizational culture issues at CFPB. This report examines (1) CFPB employees' views on these issues and (2) CFPB's efforts to strengthen personnel management and culture, among other objectives. GAO reviewed relevant CFPB reports, policies, procedures, and other documents; surveyed CFPB employees and executives (with 62 and 63 percent response rates, respectively) to gather their views on CFPB's personnel practices and organizational culture; spoke with CFPB employees who contacted GAO through its phone and email hotlines; interviewed CFPB officials; and reviewed reports and recommendations from the Office of the Inspector General for the Board of Governors of the Federal Reserve System and CFPB. "
Watchdog
DOWNLOAD
Author : Richard Cordray
language : en
Publisher: Oxford University Press
Release Date : 2020-02-03
Watchdog written by Richard Cordray and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-02-03 with Political Science categories.
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.
Democracy Declined
DOWNLOAD
Author : Mallory E. SoRelle
language : en
Publisher: University of Chicago Press
Release Date : 2020-11-23
Democracy Declined written by Mallory E. SoRelle and has been published by University of Chicago Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-11-23 with Political Science categories.
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.