Consumer Protection Federal And State Agencies Face Challenges In Combating Predatory Lending Report To The Chairman And Ranking Minority Member Special Committee On Aging U S Senate
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Consumer Protection Federal And State Agencies Face Challenges In Combating Predatory Lending Report To The Chairman And Ranking Minority Member Special Committee On Aging U S Senate
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Author :
language : en
Publisher: DIANE Publishing
Release Date :
Consumer Protection Federal And State Agencies Face Challenges In Combating Predatory Lending Report To The Chairman And Ranking Minority Member Special Committee On Aging U S Senate written by and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Consumer Protection
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Author : United States. General Accounting Office
language : en
Publisher:
Release Date : 2004
Consumer Protection written by United States. General Accounting Office and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Mortgage loan servicing categories.
Consumer Protection
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Author : David G. Wood
language : en
Publisher:
Release Date : 2004
Consumer Protection written by David G. Wood and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Mortgage loan servicing categories.
Predatory Lending
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Author : United States. Congress. Senate. Special Committee on Aging
language : en
Publisher:
Release Date : 2004
Predatory Lending written by United States. Congress. Senate. Special Committee on Aging and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Business & Economics categories.
The Financial Crisis Inquiry Report Authorized Edition
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Author : Financial Crisis Inquiry Commission
language : en
Publisher: PublicAffairs
Release Date : 2011-01-27
The Financial Crisis Inquiry Report Authorized Edition written by Financial Crisis Inquiry Commission and has been published by PublicAffairs this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-01-27 with Business & Economics categories.
The definitive report on what caused America's economic meltdown and who was responsibleThe financial and economic crisis has touched the lives of millions of Americans who have lost their jobs and their homes, but many have little understanding of how it happened. Now, in this very accessible report, readers can get the facts. Formed in May 2009, the Financial Crisis Inquiry Commission (FCIC) is a panel of 10 commissioners with experience in business, regulations, economics, and housing, chosen by Congress to explain what happened and why it happened. This panel has had subpoena power that enabled them to interview people and examine documents that no reporter had access to. The FCIC has reviewed millions of pages of documents, and interviewed more than 600 leaders, experts, and participants in the financial markets and government regulatory agencies, as well as individuals and businesses affected by the crisis. In the tradition of The 9/11 Commission Report, "The Financial Crisis Inquiry Report" will be a comprehensive book for the lay reader, complete with a glossary, charts, and easy-to-read diagrams, and a timeline that includes important events. It will be read by policy makers, corporate executives, regulators, government agencies, and the American people.
The Financial Crisis Inquiry Report Final Report Of The National Commission On The Causes Of The Financial And Economic Crisis In The United States Revised Corrected Copy
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Author : Phil Angelides
language : en
Publisher: Government Printing Office
Release Date : 2011-04-18
The Financial Crisis Inquiry Report Final Report Of The National Commission On The Causes Of The Financial And Economic Crisis In The United States Revised Corrected Copy written by Phil Angelides and has been published by Government Printing Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-04-18 with Business & Economics categories.
In the wake of the most significant financial crisis since the Great Depression, the President signed into law on May 20, 2009, the Fraud Enforcement and Recovery Act of 2009, creating the Financial Crisis Inquiry Commission. The Commission was established to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." The 10 members of the bi-partisan Commission, prominent private citizens with significant experience in banking, market regulation, taxation, finance, economics, housing, and consumer protection, were appointed by Congress on July 15, 2009. The Chair, Phil Angelides, and Vice Chair, Bill Thomas, were selected jointly by the House and Senate Majority and Minority Leadership.The FCIC is charged with conducting a comprehensive examination of 22 specific and substantive areas of inquiry related to the financial crisis. Some of these areas include: fraud and abuse in the financial sector, including fraud and abuse towards consumers in the mortgage sector; Federal and State financial regulators, including the extent to which they enforced, or failed to enforce statutory, regulatory, or supervisory requirements; the global imbalance of savings, international capital flows, and fiscal imbalances of various governments; monetary policy and the availability and terms of credit; accounting practices, including, mark-to-market and fair value rules, and treatment of off-balance sheet vehicles; tax treatment of financial products and investments; credit rating agencies in the financial system, including, reliance on credit ratings by financial institutions and Federal financial regulators, the use of credit ratings in financial regulation, and the use of credit ratings in the securitization markets; lending practices and securitization, including the originate-to-distribute model for extending credit and transferring risk; and more The Commission is called upon to examine the causes of major financial institutions which failed, or were likely to have failed, had they not received exceptional government assistance.In its work, the Commission is authorized to hold hearings; issue subpoenas either for witness testimony or documents; and refer to the Attorney General or the appropriate state Attorney General any person who may have violated U.S. law in relation to the financial crisis.
Interpretations And Actions
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Author : United States. Office of the Comptroller of the Currency. Multinational Banking Division
language : en
Publisher:
Release Date : 2004
Interpretations And Actions written by United States. Office of the Comptroller of the Currency. Multinational Banking Division and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Advisory opinions categories.
Subprime Lending
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Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
language : en
Publisher:
Release Date : 2004
Subprime Lending written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Business & Economics categories.
Promoting Home Ownership By Ensuring Liquidity In The Subprime Mortgage Market
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Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
language : en
Publisher:
Release Date : 2004
Promoting Home Ownership By Ensuring Liquidity In The Subprime Mortgage Market written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Mortgage loans categories.
Seduction By Contract
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Author : Oren Bar-Gill
language : en
Publisher: OUP Oxford
Release Date : 2012-08-23
Seduction By Contract written by Oren Bar-Gill and has been published by OUP Oxford this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-08-23 with Law categories.
Consumers routinely enter into long-term contracts with providers of goods and services - from credit cards, mortgages, cell phones, insurance, TV, and internet services to household appliances, theatre and sports events, health clubs, magazine subscriptions, transportation, and more. Across these consumer markets certain design features of contracts are recurrent, and puzzling. Why do sellers design contracts to provide short-term benefits and impose long-term costs? Why are low introductory prices so common? Why are the contracts themselves so complex, with numerous fees and interest rates, tariffs and penalties? Seduction by Contract explains how consumer contracts emerge from the interaction between market forces and consumer psychology. Consumers are short-sighted and optimistic, so sellers compete to offer short-term benefits, while imposing long-term costs. Consumers are imperfectly rational, so sellers hide the true costs of products and services in complex contracts. Consumers are seduced by contracts that increase perceived benefits, without actually providing more benefits, and decrease perceived costs, without actually reducing the costs that consumers ultimately bear. Competition does not help this behavioural market failure. It may even exacerbate it. Sellers, operating in a competitive market, have no choice but to align contract design with the psychology of consumers. A high-road seller who offers what she knows to be the best contract will lose business to the low-road seller who offers what the consumer mistakenly believes to be the best contract. Put bluntly, competition forces sellers to exploit the biases and misperceptions of their customers. Seduction by Contract argues that better legal policy can help consumers and enhance market efficiency. Disclosure mandates provide a promising avenue for regulatory intervention. Simple, aggregate disclosures can help consumers make better choices. Comprehensive disclosures can facilitate the work of intermediaries, enabling them to better advise consumers. Effective disclosure would expose the seductive nature of consumer contracts and, as a result, reduce sellers' incentives to write inefficient contracts. Developing its explanation through a general framework and detailed case studies of three major consumer markets (credit cards, mortgages, and cell phones), Seduction by Contract is an accessible introduction to the law and economics of consumer contracts, and a powerful critique of current regulatory policy.