Understanding The Consumer Credit Environment
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Understanding The Consumer Credit Environment
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Author : A. Charlene Sullivan
language : en
Publisher:
Release Date : 1989
Understanding The Consumer Credit Environment written by A. Charlene Sullivan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1989 with Business & Economics categories.
Consumer Credit In The United States
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Author : United States. National Commission on Consumer Finance
language : en
Publisher:
Release Date : 1972
Consumer Credit In The United States written by United States. National Commission on Consumer Finance and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1972 with Consumer credit categories.
Consumer Credit And The American Economy
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Author : Thomas A. Durkin
language : en
Publisher: Oxford University Press
Release Date : 2014-07-16
Consumer Credit And The American Economy written by Thomas A. Durkin 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 2014-07-16 with Business & Economics categories.
Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
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 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 Lending
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Author : Richard E. Beck
language : en
Publisher:
Release Date : 2001
Consumer Lending written by Richard E. Beck and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Bank loans categories.
This text introduces students who are new to US consumer lending principles and practice to the lending process, its importance to the bank and to consumers, and the environment in which it functions. It takes a practical approach and presents a conceptual overview of the fundamentals of lending along with contemporary issues such as technology, regulation, and attitudes. It also details developments important to an understanding of consumer lending today.
Trends In Consumer Credit Affordability
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Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance
language : en
Publisher:
Release Date : 1994
Trends In Consumer Credit Affordability written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1994 with Consumer credit categories.
The Development Of Consumer Credit In Global Perspective
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Author : J. Logemann
language : en
Publisher: Springer
Release Date : 2012-07-16
The Development Of Consumer Credit In Global Perspective written by J. Logemann and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-07-16 with History categories.
This volume brings together historians, economists, political scientists, and anthropologists to present a global perspective on the new forms of lending and borrowing that have become a key feature of twentieth-century mass consumer societies, emphasizing comparative and transnational historical perspectives.
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 Consumer Finance Industry
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Author : National Consumer Finance Association
language : en
Publisher:
Release Date : 1962
The Consumer Finance Industry written by National Consumer Finance Association and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1962 with Commercial finance companies categories.