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Author : National Science Foundation (U.S.)
Publisher : Unknown
Page : 275 pages
File Size : 46,8 Mb
Release : 1981
Category : Bank accounts
ISBN : 0685000370
Author : Richard E. Gottlieb,Arthur B. Axelson,Thomas M. Hanson
Publisher : Unknown
Page : 1222 pages
File Size : 47,6 Mb
Release : 2014
Category : Class actions (Civil procedure)
ISBN : 140242261X
Author : United States. Congress. House. Committee on Financial Services
Publisher : Unknown
Page : 288 pages
File Size : 54,7 Mb
Release : 2009
Category : Consumer protection
ISBN : UOM:39015090417885
Author : Sarah Brown
Publisher : Edward Elgar Publishing
Page : 256 pages
File Size : 48,6 Mb
Release : 2019
Category : Law
ISBN : 9781784712495
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.
Author : Adam J. Levitin
Publisher : Aspen Publishing
Page : 854 pages
File Size : 48,6 Mb
Release : 2022-09-14
Category : Law
ISBN : 9781543856170
Buy a new version of this textbook and receive access to the Connected eBook on CasebookConnect, including: lifetime access to the online ebook with highlight, annotation, and search capabilities, plus an outline tool and other helpful resources. Connected eBooks provide what you need most to be successful in your law school classes. Consumer Finance: Markets and Regulation is the first law school text to focus on consumer financial services markets and their regulation.Structured around clear expository text and realistic problem sets, the book provides comprehensive coverage of the regulation of consumer credit, payments, and financial data markets by federal, state, and private law, including detailed coverage of the authority of the Consumer Financial Protection Bureau (CFPB), a powerful new federal regulatory agency.The book also acquaints students with the full range of consumer financial products, how they operate, the risks and policy issues they raise, and their regulation.In so doing, the book provides an applied look at how regulatory agencies work, offering students a practical look at how statutes and regulations interact and how regulatory agencies enforce them. New to the Second Edition: Coverage of new Regulation F, implementing the Fair Debt Collection Practices Act Coverage of buy-now-pay-later Coverage of retail installment sales contracts and time-price doctrine Coverage of rent-to-own contracts Expanded coverage of rent-a-bank arrangements Expanded coverage of anti-money laundering regulations Professors and students will benefit from: Detailed coverage of the Consumer Financial Protection Bureau (CFPB), a new federal regulatory agency with broad authority over consumer credit, payment, deposit, and financial data markets.& Comprehensive treatment of consumer credit regulation, including mortgages, credit cards, auto loans, student loans, and small dollar loans, as well as credit disclosures, usury, and fair lending regulation. State-of-the-art coverage of consumer payment systems, with detailed coverage of electronic payment systems (credit cards, debit cards, ACH) and mobile wallets. Coverage of topics not found elsewhere in law school curriculum, including anti-money laundering regulations, behavioral economics, fair lending laws, and consumer financial data privacy and data security. Free companion statutory supplement (available on website).
Author : Southern Methodist University. Institute of International Banking and Finance
Publisher : Kluwer Law International B.V.
Page : 330 pages
File Size : 54,5 Mb
Release : 1999-05-06
Category : Law
ISBN : 9789041197177
The question of how financial services should be regulated in the interests of consumers has never been more topical. The structure of the financial services industry is changing rapidly and the need for the law to keep pace with these changes has never been greater. This book examines the role of the law in the protection of the consumer, in particular the ways in which the law is, and could be, used to protect consumers when purchasing financial services. A prominent panel of contributors first examines the role of the European Union and the ombudsmen schemes operating in the United Kingdom in improving consumer protection. Eight expert papers present a detailed analysis of aspects of the various legal mechanisms protecting consumers in the banking, financial services, investments and insurance industries. The final part of the book is concerned with the important and controversial area of consumer credit. This unique work is a welcome contribution to a rapidly developing area of law, which has so far received little attention from commentators. It will be of great interest to those at the cutting edge of banking, financial services and consumer law, whether practicing lawyers or in-house counsel, and all those involved in advising consumers.
Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance
Publisher : Unknown
Page : 324 pages
File Size : 46,8 Mb
Release : 1977
Category : Banking law
ISBN : LOC:00186279670
Author : Arnold A. Heggestad,Arnold A Heggestad Sr Analyst
Publisher : Routledge
Page : 293 pages
File Size : 42,8 Mb
Release : 2019-06-10
Category : Political Science
ISBN : 9781000308730
In the many studies that have been conducted on the provision of financial services for consumers, regulation has emerged as one of the most important factors. The impact of regulation on financial service industries is a major focus of this comprehensive bibliography of relevant source materials in the field of regulatory economics. The bibliography includes entries from the major economics and finance journals published over the past twenty years, major law and business journals,government documents, books, and doctoral dissertations--all indexed according to subject matter--as well as abstracts of many of the papers.The product of extensive research, Heggestad's work is invaluable to university libraries, regulatory agencies, financial institutions, and financial experts, and is an efficient and essential reference tool for anyone wishing to study specific markets and the impact of financial regulation on them.
Author : Anonim
Publisher : Unknown
Page : 188 pages
File Size : 45,5 Mb
Release : 1978
Category : Bank deposits
ISBN : STANFORD:36105044507999
Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher : Unknown
Page : 192 pages
File Size : 49,5 Mb
Release : 2009
Category : Financial literacy
ISBN : PURD:32754081202941
Author : Cheryl R Cooper
Publisher : Unknown
Page : 38 pages
File Size : 51,9 Mb
Release : 2019-08-02
Category : Electronic
ISBN : 1086896912
Consumer finance refers to the saving, borrowing, and investment choices that households make over time. These financial decisions can be complex and can affect households' financial wellbeing both now and in the future. Safe and affordable financial services are an important tool for most American households to avoid financial hardship, build assets, and achieve financial security over the course of their lives. Understanding why and how consumers make financial decisions is important when considering policy issues in consumer financial markets. Households borrow money for the following common reasons: investments-such as a home or education-to build future wealth, consumption smoothing (i.e., paying later to consume things now), and emergency expenses. Most households rely on credit to finance some of these expenses, because they do not have enough money saved to pay for them. According to the Federal Reserve Bank of New York, mortgage debt is by far the largest type of debt for households, accounting for approximately 67% of household debt. Student debt is the second-largest household debt, followed by auto loans and credit cards. Consumer financial markets generally share similar market dynamics. In all of these markets, consumers often act in similar ways when making financial decisions and firms tend to act in comparable ways to attract consumers. Therefore, the government tends to consider similar policy interventions when regulating in these markets. Competitive free markets generally lead to efficient distributions of goods and services to maximize value for society. Yet sometimes, free markets are inefficient when particular issues arise. Common issues in consumer financial markets include (1) information asymmetries between financial firms and consumers and (2) behavioral biases that predictably bias consumers when making financial decisions. In these cases, government policy can potentially correct market failures to bring the market to a more efficient outcome, maximizing social welfare. In consumer finance, three types of policy interventions are common: (1) standardized consumer disclosures; (2) regulation to prevent deceptive, unfair, or abusive financial institution practices; and (3) regulation to prevent discrimination in consumer-lending markets. Yet, policymakers need to be aware of unintended consequences of proposed policies, and often find it challenging to determine whether a policy intervention will help or harm a particular market's efficiency. In response to the 2007-2009 financial crisis, the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act (DoddFrank; P.L. 111-203) established the Bureau of Consumer Financial Protection (CFPB) to implement and enforce federal consumer financial law while ensuring consumers can access financial products and services. The CFPB's authorities fall into three broad categories: rulemaking, writing regulations to implement laws under its jurisdiction; supervision, the power to examine and impose reporting requirements on financial institutions; and enforcement of various consumer protection laws and regulations. The CFPB generally has regulatory authority over providers of an array of consumer financial products and services. The major consumer financial markets include mortgage lending, student loans, automobile loans, credit cards and payments, payday loans and other credit alternative financial products, and checking accounts and substitutes. In addition, two important market structures allow these consumer financial products to be offered: (1) the consumer credit reporting system and (2) the debt collection market. These aspects of the consumer credit system facilitate the pricing of credit offers and the resolution of delinquent consumer credit products for most consumer credit markets.
Author : American Bar Association
Publisher : Unknown
Page : 696 pages
File Size : 40,8 Mb
Release : 2022-05-02
Category : Business & Economics
ISBN : 1641058714
With the ever-changing landscape of consumer protection laws, this timely resource provides expert, high-level discussion of the rules governing consumer finance law and the complex federal agencies that enforce these laws. Topics range from the FTC, the Consumer Financial Protection Bureau to Fair Credit Reporting Act, Consumer Deposit Accounts and Electronic Funds Transfer and more.
Author : George J. Benston
Publisher : American Enterprise Institute
Page : 156 pages
File Size : 51,8 Mb
Release : 1999
Category : Business & Economics
ISBN : 0844741248
Financial services regulation tends to be costly and unsympathetic to consumers. This book examines why that is the case and proposes and regulatory regime that would be more efficient and more responsive to consumer interests.
Author : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher : Unknown
Page : 152 pages
File Size : 52,8 Mb
Release : 2011
Category : Business & Economics
ISBN : UCSD:31822037828985
Author : Lisa Kastner
Publisher : Routledge
Page : 151 pages
File Size : 55,9 Mb
Release : 2017-10-12
Category : Political Science
ISBN : 9781351798136
Coalitions of consumer groups, NGOs, and trade unions have traditionally been considered politically weak compared to well-organized and resourceful financial sector groups which dominate or "capture" financial regulatory decisions. However, following the 2008 financial crisis, civil society groups have been seen to exert much more influence, with politicians successfully implementing financial reform in spite of industry opposition. Drawing on literature from social movement research and regulatory politics, this book shows how diffuse interests were represented in financial regulatory overhauls in both the United States (US) and the European Union (EU). Four cases of reform in the post-crisis regulatory context are analyzed: the creation of a new Consumer Financial Protection Bureau in the US; the introduction of new consumer protection regulations through EU directives; the failure of attempts to introduce a financial transaction tax in the US; and the agreement of 11 EU member states to introduce such a tax. It shows how building coalitions with important elite allies outside and inside government helped traditionally weak interest groups transcend a lack of material resources to influence and shape regulatory policy. By engaging with a less well-known side of the debate, it explains how business power was curbed and diverse interests translated into financial regulatory policy.
