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Author : Anonim
Publisher : Unknown
Page : 12 pages
File Size : 41,7 Mb
Release : 1954
Category : Electronic
ISBN : MINN:31951D032978678
Author : Sandra Hornung
Publisher : Unknown
Page : 59 pages
File Size : 40,8 Mb
Release : 1966
Category : Consumer credit
ISBN : OCLC:1097388427
Author : Hornung, Sandra,Linda Charlton,Public Legal Education Association of Saskatchewan
Publisher : Saskatoon : Public Legal Education Association of Saskatchewan
Page : 59 pages
File Size : 54,5 Mb
Release : 1986
Category : Consumer credit
ISBN : OCLC:37980733
Author : Thomas A. Durkin,Gregory Elliehausen,Michael E. Staten,Todd J. Zywicki
Publisher : Oxford University Press
Page : 528 pages
File Size : 45,8 Mb
Release : 2014-07-16
Category : Business & Economics
ISBN : 9780199384952
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.
Author : Yonkers (N.Y.). Public Library
Publisher : Unknown
Page : 190 pages
File Size : 40,8 Mb
Release : 1969
Category : Consumer education
ISBN : UOM:39015076763757
Prepared for the President's Committee on Consumer Interests.
Author : Sandra Hornung,Theberge, Janice,Public Legal Education Association of Saskatchewan,Linda Charlton
Publisher : Saskatoon : Public Legal Education Association of Saskatchewan
Page : 83 pages
File Size : 48,9 Mb
Release : 1995
Category : Administrative law
ISBN : 1896168167
Author : Great Britain: Parliament: House of Commons: Committee of Public Accounts
Publisher : Stationery Office
Page : 80 pages
File Size : 43,8 Mb
Release : 2013-05-31
Category : Political Science
ISBN : 0215058682
Incorporating HC 866 of Session 2013-14. The NAO report on this report published as HC 685, session 2012-13 (ISBN 9780102980578)
Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and Consumer Protection
Publisher : Unknown
Page : 232 pages
File Size : 53,6 Mb
Release : 2013
Category : Consumer credit
ISBN : MINN:31951D03670580B
Author : United States. Congress. Senate. Committee on Banking and Currency
Publisher : Unknown
Page : 924 pages
File Size : 40,8 Mb
Release : 1960
Category : Automobile industry and trade
ISBN : LOC:00134423225
Considers S. 2755, the Finance Charge Disclosure Act, to require loan interest rate disclosure by lenders. Focuses on new automobile financing practices.
Author : Teplý, Petr
Publisher : Charles University in Prague, Karolinum Press
Page : 188 pages
File Size : 48,8 Mb
Release : 2016-01-01
Category : Business & Economics
ISBN : 9788024632360
This book deals with consumer lending from both theoretical and empirical points of view. In the theoretical section, it book analyses the wider context of financial literacy, household indebtedness and the global consumer credit market including relevant legal, regulatory and risk management issues. In the empirical section, the book uses The Navigator of Responsible Lending as an evaluation tool to assess both bank and non-bank consumer credit providers in the Czech Republic. Although our empirical research is done as a case study on the Czech Republic, its basic ideas might be easily applied to other countries as well. Enclosures to the book include additional texts relevant to consumer lending (including case studies and an unofficial English translation of the Czech Consumer Credit Act) and therefore provide the reader with several perspectives on the topic.
Author : Anonim
Publisher : Unknown
Page : 0 pages
File Size : 42,7 Mb
Release : 1956
Category : Consumer credit
ISBN : OCLC:1423721684
Author : United States. Congress. Senate. Banking and Currency Committee
Publisher : Unknown
Page : 932 pages
File Size : 47,8 Mb
Release : 1960
Category : Electronic
ISBN : STANFORD:36105045172199
Author : United States. Congress. House. Committee on Banking and Currency. Subcommittee on Consumer Affairs
Publisher : Unknown
Page : 554 pages
File Size : 54,9 Mb
Release : 1969
Category : Consumer credit
ISBN : UCAL:$B655758
Author : United States. Commission on Federal Paperwork
Publisher : Unknown
Page : 52 pages
File Size : 53,7 Mb
Release : 1977
Category : Consumer credit
ISBN : UOM:39015030530433
Author : United States
Publisher : Unknown
Page : 1024 pages
File Size : 44,8 Mb
Release : 1992
Category : Business & Economics
ISBN : PSU:000020338510