Consumer Protection And The Credit Crisis
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Consumer Protection And The Credit Crisis
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Author : United States Senate
language : en
Publisher:
Release Date : 2019-09-19
Consumer Protection And The Credit Crisis written by United States Senate and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-09-19 with categories.
Consumer protection and the credit crisis: hearing before the Committee on Commerce, Science, and Transportation, United States Senate, One Hundred Eleventh Congress, first session, February 26, 2009.
Consumer Protection And The Credit Crisis
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Author : United States. Congress
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2018-01-14
Consumer Protection And The Credit Crisis 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 2018-01-14 with categories.
Consumer protection and the credit crisis : hearing before the Committee on Commerce, Science, and Transportation, United States Senate, One Hundred Eleventh Congress, first session, February 26, 2009.
Meltdown
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Author : Larry Kirsch
language : en
Publisher: Bloomsbury Publishing USA
Release Date : 2017-03-09
Meltdown written by Larry Kirsch and has been published by Bloomsbury Publishing USA this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-03-09 with Political Science categories.
Meltdown reveals how the Consumer Financial Protection Bureau was able to curb important unsafe and unfair practices that led to the recent financial crisis. In interviews with key government, industry, and advocacy groups along with deep archival research, Kirsch and Squires show where the CFPB was able to overcome many abusive practices, where it was less able to do so, and why. Open for business in 2011, the CFPB was Congress's response to the financial catastrophe that shattered millions of middle-class and lower-income households and threatened the stability of the global economy. But only a few years later, with U.S. economic conditions on a path to recovery, there are already disturbing signs of the (re)emergence of the high-risk, high-reward credit practices that the CFPB was designed to curb. This book profiles how the Bureau has attempted to stop abusive and discriminatory lending practices in the mortgage and automobile lending sectors and documents the multilayered challenges faced by an untested new regulatory agency in its efforts to transform the broken—but lucrative—business practices of the financial services industry. Authors Kirsch and Squires raise the question of whether the consumer protection approach to financial services reform will succeed over the long term in light of political and business efforts to scuttle it. Case studies of mortgage and automobile lending reforms highlight the key contextual and structural conditions that explain the CFPB's ability to transform financial service industry business models and practices. Meltdown: The Financial Crisis, Consumer Protection, and the Road Forward is essential reading for a wide audience, including anyone involved in the provision of financial services, staff of financial services and consumer protection regulatory agencies, and fair lending and consumer protection advocates. Its accessible presentation of financial information will also serve students and general readers.
International Responses To Issues Of Credit And Over Indebtedness In The Wake Of Crisis
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Author : Therese Wilson
language : en
Publisher: Routledge
Release Date : 2016-04-22
International Responses To Issues Of Credit And Over Indebtedness In The Wake Of Crisis written by Therese Wilson and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-04-22 with Law categories.
This book explores the political, economic and regulatory context in which credit regulation is taking place following the global financial crisis. It suggests that current neoliberal economic policies favour multi-national corporations rather than consumers and examines regulatory responses to the internationalization of consumer finance protection. Detailing how EU consumers have been affected by national economic conditions, the book also analyses the lending regimes of Europe, Australia, the US and South Africa and offers suggestions for responsible lending to avoid over-indebtedness and corrupt mortgage-lending. Finally, new approaches and directions for consumer credit regulations are outlined, such as protection for small businesses, protection against risky credit products, reorganization of mortgage securitization and the possibility of a partnership model to address financial exclusion. The book includes contributions from leading names in the field of consumer law and will be invaluable to those interested in banking, business and commercial law.
Civil Society And Financial Regulation
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Author : Lisa Kastner
language : en
Publisher: Routledge
Release Date : 2017-10-12
Civil Society And Financial Regulation written by Lisa Kastner and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-10-12 with Political Science categories.
Coalitions of consumer groups, NGOs, and trade unions have traditionally been considered politically weak compared to well-organized and resourceful financial sector groups which dominate or "capture" financial regulatory decisions. However, following the 2008 financial crisis, civil society groups have been seen to exert much more influence, with politicians successfully implementing financial reform in spite of industry opposition. Drawing on literature from social movement research and regulatory politics, this book shows how diffuse interests were represented in financial regulatory overhauls in both the United States (US) and the European Union (EU). Four cases of reform in the post-crisis regulatory context are analyzed: the creation of a new Consumer Financial Protection Bureau in the US; the introduction of new consumer protection regulations through EU directives; the failure of attempts to introduce a financial transaction tax in the US; and the agreement of 11 EU member states to introduce such a tax. It shows how building coalitions with important elite allies outside and inside government helped traditionally weak interest groups transcend a lack of material resources to influence and shape regulatory policy. By engaging with a less well-known side of the debate, it explains how business power was curbed and diverse interests translated into financial regulatory policy.
Credit Consumers And The Law
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Author : Karen Fairweather
language : en
Publisher: Routledge
Release Date : 2016-10-14
Credit Consumers And The Law written by Karen Fairweather and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-10-14 with Law categories.
Consumer law, particularly consumer credit law, is characterised by increasingly complex regulation in Western economies. Reacting to the Global Financial Crisis, governments in the UK, the EU, Australia, New Zealand and the United States have adopted new laws dealing with consumer credit, responsible lending, consumer guarantees and unfair contracts. Drawing together authors from all of these jurisdictions, this book analyses and evaluates these initiatives, and makes predictions as to their likely success and possible flaws.
Consumer Protection And The Credit Crisis
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Author : United States. Congress. Senate. Committee on Commerce, Science, and Transportation
language : en
Publisher:
Release Date : 2009
Consumer Protection And The Credit Crisis written by United States. Congress. Senate. Committee on Commerce, Science, and Transportation and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Business & Economics categories.
Consumer Protection And The Credit Crisis Hrg S Hrg 111 33 Com On Commerce Science And Transportation U S Senate 111th Cong 1st Session
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Author :
language : en
Publisher:
Release Date : 2010*
Consumer Protection And The Credit Crisis Hrg S Hrg 111 33 Com On Commerce Science And Transportation U S Senate 111th Cong 1st Session written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010* with categories.
Consumer Protection After The Global Financial Crisis
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Author : Edward Balleisen
language : en
Publisher:
Release Date : 2019
Consumer Protection After The Global Financial Crisis written by Edward Balleisen and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with categories.
Like other major events, ...
Enhanced Consumer Financial Protection After The Financial Crisis
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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
language : en
Publisher:
Release Date : 2012
Enhanced Consumer Financial Protection After The Financial Crisis 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 2012 with Business & Economics categories.