The Impact Of Public Policy On Consumer Credit
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The Impact Of Public Policy On Consumer Credit
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Author : Thomas A. Durkin
language : en
Publisher: Springer Science & Business Media
Release Date : 2012-12-06
The Impact Of Public Policy On Consumer Credit written by Thomas A. Durkin and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-12-06 with Business & Economics categories.
As both the twenty-first century and the new millennium opened and the old eras passed into history, individuals and organizations throughout the world advanced their listings of the most significant people and events in their respective specialties. Possibly more important, the tum of the clock and calendar also offered these same observers a good reason to glance into the crystal ball. Presumably, the past is of greatest interest to most people when it permits better understanding of the present, and maybe even limited insight into the outlook. In keeping with the reflective mood of the time, the staff and friends of the Credit Research Center (CRC) at Georgetown University's McDonough School of Business noted that the beginning of the new millennium also marked the beginning of the second quarter-century of the Center's existence. The Center began at the Krannert Graduate School of Management at Purdue University in 1974 and moved to the McDonough School of Business at Georgetown University in 1997. The silver anniversary of its founding offered the occasion for creating more than another listing of significant past accomplishments and milestones. Rather, it offered the opportunity and, indeed, a mandate for CRC as an academic research center, to undertake a retrospective and future look into the status of research questions pertaining to consumer credit markets. For this reason, the Center organized a research conference which was held in Washington, D. C.
Consumer Instalment Credit And Public Policy
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Author : Paul Winston McCracken
language : en
Publisher:
Release Date : 1965
Consumer Instalment Credit And Public Policy written by Paul Winston McCracken and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1965 with Consumer credit categories.
Consumer Instalment Credit And Public Policy
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Author : Paul Winston McCracken
language : en
Publisher:
Release Date : 1965
Consumer Instalment Credit And Public Policy written by Paul Winston McCracken and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1965 with categories.
Democracy Declined
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Author : Mallory E. SoRelle
language : en
Publisher: University of Chicago Press
Release Date : 2020-12-14
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 2020-12-14 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.
Handbook Of Consumer Finance Research
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Author : Jing J. Xiao
language : en
Publisher: Springer Science & Business Media
Release Date : 2008-01-03
Handbook Of Consumer Finance Research written by Jing J. Xiao and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-01-03 with Psychology categories.
This handbook surveys the social aspects of consumer behavior, offering latest data and original research on current consumer needs as well as identifying emerging areas of research. This accessible volume (which can be read without advanced training in the field) starts with current concepts of risk tolerance, consumer socialization, and financial well-being, and moves on to salient data on specific settings and populations such as high school students and the older consumer.
The Regulation Of Consumer Credit
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Author : Sarah Brown
language : en
Publisher: Edward Elgar Publishing
Release Date : 2019
The Regulation Of Consumer Credit written by Sarah Brown and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with Law categories.
This incisive book gives a comprehensive overview of the regulation of consumer credit in both the US and the UK. It covers policy, procedure and the dynamics of the consumer credit relationship to advocate for a balanced approach in achieving more effective consumer protection.
The Economics Of Consumer Credit
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Author : Giuseppe Bertola
language : en
Publisher: MIT Press
Release Date : 2006
The Economics Of Consumer Credit written by Giuseppe Bertola and has been published by MIT Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Consumer credit categories.
Cross-national analysis of empirical, theoretical, and policy issues in the consumer credit industry, including household debt, credit card usage, and bankruptcy.
Consumer Credit And The American Economy
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Author : Thomas A. Durkin
language : en
Publisher: Financial Management Associati
Release Date : 2014
Consumer Credit And The American Economy written by Thomas A. Durkin and has been published by Financial Management Associati this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with Business & Economics categories.
This article provides an introduction to a law review symposium by the Journal of Law, Economics, and Policy on our book (co-authored with Michael E. Staten), Consumer Credit and the American Economy (Oxford 2014). The conference, held November 2014, collects several articles responding to and building on the research agenda laid out by our book. For those who have not read the book, this article is intended to summarize several of the main themes of the book, including discussion of economic models of consumer credit usage, trends in consumer credit usage over time, the use of high-cost credit, and behavioral economics.
The Consumer Credit Protection Act
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Author : Roberta Anne Ward
language : en
Publisher:
Release Date : 1970
The Consumer Credit Protection Act written by Roberta Anne Ward and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1970 with Consumer credit categories.
Credit Reporting Systems And The International Economy
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Author : Margaret J. Miller
language : en
Publisher: MIT Press
Release Date : 2003
Credit Reporting Systems And The International Economy written by Margaret J. Miller and has been published by MIT Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003 with Business & Economics categories.
The first comprehensive review of credit reporting systems worldwide, including their institutional forms and evidence of their impact on financial markets. Credit reporting is a critical part of the financial system in most developed economies but is often weak or absent in developing countries. It addresses a fundamental problem of credit markets: asymmetric information between borrowers and lenders that can lead to adverse selection and moral hazard. The heart of a credit report is the record it provides of an individual's or a firm's payment history, which enables lenders to evaluate credit risk more accurately and lower loan processing time and costs. Credit reports also strengthen borrower discipline, since nonpayment with one institution results in sanctions with others. This book provides the first comprehensive review of credit reporting systems worldwide and documents the rapid growth in the industry. It offers empirical and theoretical evidence of the impact of credit reporting on financial markets, using examples from both developed and developing economies. Credit reporting, it shows, significantly contributes to predicting default risk of potential borrowers, which promotes increased lending activity. The book also covers the role of public policy in the development of credit reporting initiatives, including the role of public credit registries managed by central banks; and the role of legal, regulatory, and institutional factors in supporting credit reporting.