Prohibitions Price Caps And Disclosures
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Prohibitions Price Caps And Disclosures
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Author : Signe-Mary McKernan
language : en
Publisher: DIANE Publishing
Release Date : 2011-06
Prohibitions Price Caps And Disclosures written by Signe-Mary McKernan and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-06 with Reference categories.
This study uses new nationally representative data from the National Financial Capability State-by-State Survey to examine the relationship between state-level alternative financial service (AFS) policies (prohibitions, price caps, disclosures) and consumer use of five AFS products: payday loans, auto title loans, pawn broker loans, refund anticipation loans, and rent-to-own transactions. The results suggest that more stringent price caps and prohibitions are associated with lower product use and do not support the hypothesis that prohibitions and price caps on one AFS product lead consumers to use other AFS products. Charts and tables. This is a print on demand edition of an important, hard-to-find publication.
Prohibitions Price Caps And Disclosures
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Author : Signe-Mary McKernan
language : en
Publisher:
Release Date : 2013
Prohibitions Price Caps And Disclosures written by Signe-Mary McKernan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
Using new nationally representative data from the National Financial Capability State-by-State Survey, this paper examines the relationship between state-level alternative financial service (AFS) policies (prohibitions, price caps, disclosures) and consumer use of five AFS products: payday loans, auto title loans, pawn broker loans, RALs, and RTO transactions. The results suggest that more stringent price caps and prohibitions are associated with lower product use and do not support the hypothesis that prohibitions and price caps on one AFS product lead consumers to use other AFS products.
Debt Resisters Operations Manual
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Author : Strike Debt
language : en
Publisher: PM Press
Release Date : 2014-05-01
Debt Resisters Operations Manual written by Strike Debt and has been published by PM Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-05-01 with Political Science categories.
Over the last thirty years, as wages have stagnated across the country, average household debt has more than doubled. Increasingly, we are forced to take on debt to meet our needs—from housing, to education, to medical care. The results—wrecked lives, devastated communities, and an increasing reliance on credit to maintain our basic living standards—reveal an economic system that enriches the few at the expense of the many. The Debt Resisters’ Operations Manual is a handbook for debtors everywhere to understand how this system really works, while providing practical tools for fighting debt in its most exploitative forms. Inside, you’ll find detailed strategies, resources, and insider tips for dealing with some of the most common kinds of debt, including credit card debt, medical debt, student debt, and housing debt. The book also contains tactics for navigating the pitfalls of personal bankruptcy, and information to help protect yourself from credit reporting agencies, debt collectors, payday lenders, check cashing outlets, rent-to-own stores, and more. Written and edited by a network of activists, writers, and academics from Occupy Wall Street, additional chapters cover tax debt, sovereign debt, the relationship between debt and climate, and an expanded vision for a movement of mass debt resistance.
No Slack
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Author : Michael S. Barr
language : en
Publisher: Brookings Institution Press
Release Date : 2012
No Slack written by Michael S. Barr and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Business & Economics categories.
The financial crisis exposed unsavory results of interactions between low- and moderate-income households and alternative and mainstream financial institutions: overleveraged incomes, high cost for financial services, and lack of access to useful financial products that can cushion against economic instability. It revealed a financial services system that is not well designed to serve these households, leaving them without financial slack. Pivotal analysis, focusing on metropolitan Detroit's low- and moderate-income neighborhoods, examines household decision making processes, behaviors, and attitudes toward a full range of financial transactions during the subprime lending boom. The author advocates helping families seek financial stability in three primary ways: enhancing individuals' financial capability, using technology to promote access to financial products and services that meet their needs, and establishing strong protections for consumers.
Overcoming The Saving Slump
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Author : Annamaria Lusardi
language : en
Publisher: University of Chicago Press
Release Date : 2009-10-15
Overcoming The Saving Slump written by Annamaria Lusardi 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 2009-10-15 with Business & Economics categories.
The great majority of working Americans are unprepared to face the difficult task of planning for retirement. In fact, the personal savings rate has been holding steady at zero for several years, down from 8 percent in the mid-1980s. Overcoming the Saving Slump explores the many challenges facing workers in the transition from a traditional defined benefit pension system to one that requires more individual responsibility, analyzing the considerable impediments to saving and evaluating financial literacy programs devised by employers and the government. Mapping the changing landscape of pensions and the rise of defined contribution plans, Annamaria Lusardi and others investigate new methods for stimulating saving and promoting financial education drawing on the experience of the United States as well as countries that have privatized their welfare systems, including Sweden and Chile. This timely volume pinpoints where human resources departments, the financial industry, and government officials have succeeded—or failed—in bridging the way to a new retirement system. As the workforce ages and more pensions disappear each second, Lusardi’s findings will be invaluable for economists and anyone facing retirement.
Fringe Finance
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Author : Rob Aitken
language : en
Publisher: Routledge
Release Date : 2015-02-11
Fringe Finance written by Rob Aitken and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-02-11 with Political Science categories.
The most recent conversations about financial instability in International Political Economy have addressed the ongoing financial spasms of the past five years; a global financial spasm unleashed by the 2008 subprime debacle, ongoing Eurozone instability, and general price volatility in securities markets globally. Alongside and as part of these broader spasms, however, has been another key trend—the intensifying reach of global financial markets into and among those populations which live at its very edges. There are increasing, and increasingly profitable, experiments which are explicitly targeted to those without regular access to full or formalized financial practices. This book places the practices of fringe finance in critical context by situating them within a larger set of discussions in the field. Most importantly, this book is part of a much broader attempt in IPE to rethread the study of finance to questions of cultural and social theory in a meaningful manner. Finance is increasingly subjected to innovative forms of social inquiry influenced by a range of diverse methods including governmentality, actor-network theory and cultural economy. By drawing on several strands of social theory, this book contributes to this broader movement in IPE and helps open more space for the continuation of these interdisciplinary conversations. This work will be of great interest to students and scholars of IPE, development studies and economic sociology.
An Introduction To Behavioral Economics
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Author : Nick Wilkinson
language : en
Publisher: Bloomsbury Publishing
Release Date : 2017-12-16
An Introduction To Behavioral Economics written by Nick Wilkinson and has been published by Bloomsbury Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-12-16 with Business & Economics categories.
The third edition of this successful textbook is a comprehensive, rigorous survey of the major topics in the field of behavioral economics. Building on the strengths of the second edition, it offers an up-to-date and critical examination of the latest literature, research, developments and debates in the field. Offering an inter-disciplinary approach, the authors incorporate psychology, evolutionary biology and neuroscience into the discussions. And, ultimately, they consider what it means to be 'rational', why we so often indulge in 'irrational' and self-harming behavior, and also why 'irrational' behavior can sometimes serve us well. A perfect book for economics students studying behavioural economics at higher undergraduate level or Master's level. This new edition features: - Extended material on heuristics and biases, and new material on neuroeconomics and its applications - A wealth of new topical case studies, such as voting behavior in Brexit and the Trump election and the current obesity epidemic - More examples and review questions to help cement understanding
Payday Lending In Canada In A Global Context
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Author : Jerry Buckland
language : en
Publisher: Springer
Release Date : 2018-03-29
Payday Lending In Canada In A Global Context written by Jerry Buckland and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-03-29 with Business & Economics categories.
This book analyzes the highly contentious payday lending industry, presenting valuable new data collected during Canada's recent regulatory reviews and demonstrating its relevance to payday lending conversations taking place worldwide. The authors treat the industry with a balanced hand by establishing its importance as an example of financialization and acknowledging the complex impact of payday lending services on low-income and credit-constrained clients. Up-to-date data from an interdisciplinary mix of financial, econometric, legal, behavioral economic, and socioeconomic sources—all in the context of an established Canadian industry—provide both proponents and opponents of payday lending with valuable evidence for their discussions of how much regulation is required to minimize harmful consequences. These insights from Canada expand a US-centric conversation and provide a key resource for the growing list of countries in which the industry is present, from the UK and Poland to South Africa and Australia.
Prescription Drug Price Disclosures
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Author : United States. Federal Trade Commission. Bureau of Consumer Protection
language : en
Publisher:
Release Date : 1975
Prescription Drug Price Disclosures written by United States. Federal Trade Commission. Bureau of Consumer Protection and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1975 with Drug traffic categories.
Fcc Record
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Author : United States. Federal Communications Commission
language : en
Publisher:
Release Date : 2017
Fcc Record written by United States. Federal Communications Commission and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017 with Telecommunication categories.