Financial Privacy Consumer Prosperity And The Public Good

Author : Fred H. Cate,Robert E. Litan,Michael Staten
Publisher : Rowman & Littlefield
Page : 71 pages
File Size : 50,7 Mb
Release : 2003-07-22
Category : Business & Economics
ISBN : 9780815796060

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Financial Privacy, Consumer Prosperity, and the Public Good by Fred H. Cate,Robert E. Litan,Michael Staten Pdf

American consumers have become accustomed to obtaining instant credit. The process requires that credit bureaus have easy access to sensitive financial information about individuals, compiled largely without their consent. This report examines the debate surrounding the role of the states in regulating these credit bureaus, especially in light of expiring amendments to the Fair Credit Reporting Act, which have allowed bureaus to continue these practices, exempting them from state laws that might obstruct them. How this controversy is resolved will have an important bearing on credit markets and financial privacy in the future. The authors make the case for continued federal preemption of the states in this area. Without it, the authors argue, the consumer credit system has developed in the United States would be put in jeopardy.

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher : Unknown
Page : 506 pages
File Size : 53,9 Mb
Release : 2003
Category : Consumer credit
ISBN : UOM:39015090375109

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Fair Credit Reporting Act by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Pdf

Author : Alexander J. Myers
Publisher : Bloomsbury Publishing USA
Page : 745 pages
File Size : 55,5 Mb
Release : 2006-11-30
Category : Political Science
ISBN : 9780313086700

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Encyclopedia of Privacy [2 volumes] by Alexander J. Myers Pdf

Writing in their famous Harvard Law Review article of 1890, Louis Brandeis and Samuel Warren asserted what many have considered one of the most cherished American values: the right to be let alone. Yet in this post-9/11 world, personal privacy is more threatened than ever. This book provides students and general readers a comprehensive overview of privacy in contemporary America. Included are some 225 alphabetically arranged entries written by more than 100 expert contributors. Entries cover such topics as the USA PATRIOT act, abortion rights, wiretapping, telemarketing, identity theft, DNA databases, Internet and email privacy, and numerous other concerns. Entries cite works for further reading, and the Encyclopedia closes with a bibliography of books, websites, organizations, and films. New threats to privacy have arisen in the face of competing social, political, and economic demands, rapid technological change, and an intrusive and voyeuristic mass media. Citizens are barraged on a daily basis with stories of corporate data mining, government surveillance programs, identity theft, and computer hacking of personal information. As a result, citizens are becoming increasingly concerned about their personal privacy as well as their privacy rights. This encyclopedia, the first of its kind, comprehensively overviews various aspects of privacy throughout U.S. history, including significant legal cases, events, laws, organizations, individuals, technology, and terms. With some 225 alphabetically arranged entries written by more than 100 leading scholars and experts in the field, this inclusive and authoritative work will appeal to those interested in both historical and contemporary notions of privacy in the United States. Readers will learn of the significance of technology in today's society, its helpful and harmful effects on citizens' privacy, and what to expect in the future. Entries cite print and electronic resources, and the Encyclopedia closes with a listing of books, organizations, websites, films, and other sources of information.

Author : Pam Dixon
Publisher : Bloomsbury Publishing USA
Page : 803 pages
File Size : 41,5 Mb
Release : 2016-02-12
Category : History
ISBN : 9781440840555

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Surveillance in America [2 volumes] by Pam Dixon Pdf

An excellent resource for high school and college students, this book surveys the size, scope, and nature of government surveillance in 21st-century America, with a particular focus on technology-enabled surveillance and its impact on privacy and other civil liberties. The advent of online, cellular, and other digital networks has enabled today's government surveillance operations to become more extensive and far more thorough than any other programs before them. Where does the line between taking actions to help ensure the safety of the general population against terrorism and other threats and the privacy of individual citizens lie? Is there any such clearly defined line anymore? This two-volume set examines the key issues surrounding government surveillance and privacy in 21st-century America, covering topics ranging from the surveillance conducted during colonial days, which inspired the Fourth Amendment, to the new high-tech developments that pose unprecedented potential challenges to the privacy of millions of Americans. Readers will gain insight into the complex challenge of interpreting the Fourth Amendment protections against warrantless, unreasonable government searches and understand how changes in the methods by which the U.S. government carries out counterterrorism and law enforcement activities influence its relationship with American citizens and businesses.

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher : Unknown
Page : 718 pages
File Size : 48,5 Mb
Release : 2004
Category : Consumer credit
ISBN : PURD:32754076836620

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The Fair Credit Reporting Act and Issues Presented by Reauthorization of the Expiring Preemption Provisions by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Pdf

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher : Unknown
Page : 224 pages
File Size : 55,6 Mb
Release : 2003
Category : Business & Economics
ISBN : PURD:32754077090128

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The Importance of the National Credit Reporting System to Consumers and the U.S. Economy by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Pdf

Author : Anonim
Publisher : DIANE Publishing
Page : 140 pages
File Size : 51,5 Mb
Release : 2024-07-01
Category : Electronic
ISBN : 9781428982673

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Safeguarding privacy in the fight against terrorism report of the Technology and Privacy Advisory Committee by Anonim Pdf

Author : Paul Finkelman
Publisher : Routledge
Page : 2570 pages
File Size : 40,8 Mb
Release : 2021-02-25
Category : Political Science
ISBN : 9781351269636

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Encyclopedia of American Civil Liberties by Paul Finkelman Pdf

Originally published in 2006, the Encyclopedia of American Civil Liberties, is a comprehensive 3 volume set covering a broad range of topics in the subject of American Civil Liberties. The book covers the topic from numerous different areas including freedom of speech, press, religion, assembly and petition. The Encyclopedia also addresses areas such as the Constitution, the Bill of Rights, slavery, censorship, crime and war. The book’s multidisciplinary approach will make it an ideal library reference resource for lawyers, scholars and students.

Author : United States. Congress. House. Committee on Financial Services
Publisher : Unknown
Page : 268 pages
File Size : 52,9 Mb
Release : 2003
Category : Consumer credit
ISBN : UOM:39015090375240

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H.R. 2622, Fair and Accurate Credit Transactions Act of 2003 by United States. Congress. House. Committee on Financial Services Pdf

Author : S. Finlay
Publisher : Springer
Page : 252 pages
File Size : 45,7 Mb
Release : 2009-02-02
Category : Business & Economics
ISBN : 9780230232792

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Consumer Credit Fundamentals by S. Finlay Pdf

Despite the huge expansion in consumer credit in the last 25 years there are very few texts describing the operation of consumer credit markets. Consumer Credit Fundamentals is the first book to provide a broad cross-disciplinary introduction to the subject. It covers the history of credit, the types of consumer credit available, how credit is granted and managed, the legal framework within which commercial lenders must operate, as well as consumer and ethical issues. A complete, well-rounded and practical introduction to consumer credit.

Author : Nicolas P. Retsinas,Eric S. Belsky
Publisher : Brookings Institution Press
Page : 413 pages
File Size : 51,5 Mb
Release : 2006-05-25
Category : Social Science
ISBN : 9780815797845

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Building Assets, Building Credit by Nicolas P. Retsinas,Eric S. Belsky Pdf

Poor people spend their money living day to day. How can they accumulate wealth? In the United States, homeownership is often the answer. Homes not only provide shelter but also are assets, and thus a means to create equity. Mortgage credit becomes a crucial factor. More Americans than ever now have some access to credit. However. thanks in large part to the growth of global capital markets and greater use of "credit scores," not all homeowners have benefited equally from the opened spigots. Different terms and conditions mean that some applicants are overpaying for mortgage credit, while some are getting in over their heads. And the door is left wide open for predatory lenders. In this important new volume, accomplished analysts examine the situation, illustrate its ramifications, and recommend steps to improve it. Today, low-income Americans have more access to credit than ever before. The challenge is to increase the chances that homeownership becomes the new pathway to asset-building that everyone hopes it will be.

Author : Mario Viola de Azevedo Cunha
Publisher : Springer Science & Business Media
Page : 236 pages
File Size : 46,9 Mb
Release : 2013-02-26
Category : Law
ISBN : 9789400760851

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Market Integration Through Data Protection by Mario Viola de Azevedo Cunha Pdf

In the context of the continuous advance of information technologies and biomedicine, and of the creation of economic blocs, this work analyzes the role that data protection plays in the integration of markets. It puts special emphasis on financial and insurance services. Further, it identifies the differences in the data protection systems of EU member states and examines the development of common standards and principles of data protection that could help build a data protection model for Mercosur. Divided into four parts, the book starts out with a discussion of the evolution of the right to privacy, focusing on the last few decades, and taking into account the development of new technologies. The second part discusses the interaction between data protection and specific industries that serve as case studies: insurance, banking and credit reporting. The focus of this part is on generalization and discrimination, adverse selection and the processing of sensitive and genetic data. The third part of the book presents an analysis of the legislation of three EU Member States (France, Italy and UK). Specific elements of analysis that are compared are the concepts of personal and anonymous data, data protection principles, the role of the data protection authorities, the role of the data protection officer, data subjects’ rights, the processing of sensitive data, the processing of genetic data and the experience of the case studies in processing data. The book concludes with the proposal of a model for data protection that could be adopted by Mercosur, taking into account the different levels of data protection that exist in its member states.

Author : Nicole S. van der Meulen
Publisher : Springer Science & Business Media
Page : 310 pages
File Size : 53,6 Mb
Release : 2011-10-01
Category : Law
ISBN : 9789067048149

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Financial Identity Theft by Nicole S. van der Meulen Pdf

The existence of financial identity theft in the United States, and its (gradual) spread to other areas of the world, increases the need to understand how identity theft occurs and how perpetrators of the crime manage to take advantage of developments within contemporary society. This book aims to provide such an understanding through an in-depth comparative analysis which illustrates how states, financial service providers, consumers, and others facilitate the occurrence of financial identity theft in the United States and the Netherlands.

Author : Katherine Porter
Publisher : Aspen Publishing
Page : 851 pages
File Size : 47,8 Mb
Release : 2016-05-27
Category : Law
ISBN : 9781454860853

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Modern Consumer Law by Katherine Porter Pdf

Modern Consumer Law is a lively, concise, problem-focused text on contemporary consumer law. It is the only text on the market conceptualized after Dodd-Frank and its creation of the Consumer Financial Protection Bureau. The book takes a functional approach to consumer law, looking at types of transactions such as mortgages as well as kinds of laws such as disclosure rules. It examines core theoretical questions in an accessible way, revealing consumer law as a series of statutes built on the common law foundations of contract and tort. Organized into 28 class-sized assignments, the book is easy to adapt to a teacher’s preferences in terms of focus and class credits. The problems provide students with the opportunity to apply statutes to realistic situations and ask them to consider the perspectives of consumers, businesses, and lawmakers. Katherine Porter is a national expert in consumer law and a co-author of Wolter Kluwer’s The Law of Debtors and Creditors.

Author : United States. Congress. Senate. Special Committee on Aging
Publisher : Unknown
Page : 310 pages
File Size : 41,7 Mb
Release : 2004
Category : Business & Economics
ISBN : PURD:32754075288260

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Predatory Lending by United States. Congress. Senate. Special Committee on Aging Pdf