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An Economic Analysis And Brief Legislative Overview Of Usury Ceilings
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Book Synopsis An Economic Analysis and Brief Legislative Overview of Usury Ceilings by : William Anderson
Download or read book An Economic Analysis and Brief Legislative Overview of Usury Ceilings written by William Anderson and published by . This book was released on 1981 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This report gives an economic analysis of usury ceilings, laws which set the maximum legal rate of interest to be charged on particular types of loans. It provides a brief overview of recent Federal l e g i s l a t i o n dealing with usury, with special emphasis on the Federal authorities mandated by P.L. 96-221, and the effectiveness of Federal preemption of State usury laws.
Book Synopsis Beggar Thy Neighbor by : Charles R. Geisst
Download or read book Beggar Thy Neighbor written by Charles R. Geisst and published by University of Pennsylvania Press. This book was released on 2013-04-15 with total page 396 pages. Available in PDF, EPUB and Kindle. Book excerpt: The practice of charging interest on loans has been controversial since it was first mentioned in early recorded history. Lending is a powerful economic tool, vital to the development of society but it can also lead to disaster if left unregulated. Prohibitions against excessive interest, or usury, have been found in almost all societies since antiquity. Whether loans were made in kind or in cash, creditors often were accused of beggar-thy-neighbor exploitation when their lending terms put borrowers at risk of ruin. While the concept of usury reflects transcendent notions of fairness, its definition has varied over time and place: Roman law distinguished between simple and compound interest, the medieval church banned interest altogether, and even Adam Smith favored a ceiling on interest. But in spite of these limits, the advantages and temptations of lending prompted financial innovations from margin investing and adjustable-rate mortgages to credit cards and microlending. In Beggar Thy Neighbor, financial historian Charles R. Geisst tracks the changing perceptions of usury and debt from the time of Cicero to the most recent financial crises. This comprehensive economic history looks at humanity's attempts to curb the abuse of debt while reaping the benefits of credit. Beggar Thy Neighbor examines the major debt revolutions of the past, demonstrating that extensive leverage and debt were behind most financial market crashes from the Renaissance to the present day. Geisst argues that usury prohibitions, as part of the natural law tradition in Western and Islamic societies, continue to play a key role in banking regulation despite modern advances in finance. From the Roman Empire to the recent Dodd-Frank financial reforms, usury ceilings still occupy a central place in notions of free markets and economic justice.
Book Synopsis Lesko's Info-Power II Sourcebook by : Matthew Lesko
Download or read book Lesko's Info-Power II Sourcebook written by Matthew Lesko and published by Information USA. This book was released on 1994-09 with total page 1604 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Credit and the American Economy by : Thomas A. Durkin
Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by . This book was released on 2014 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis Major Studies and Issue Briefs of the Congressional Research Service by :
Download or read book Major Studies and Issue Briefs of the Congressional Research Service written by and published by . This book was released on 1989 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Political Economy of Financial Regulation by : Emilios Avgouleas
Download or read book The Political Economy of Financial Regulation written by Emilios Avgouleas and published by Cambridge University Press. This book was released on 2019-01-31 with total page 531 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examines the law and policy of financial regulation using a combination of conceptual analysis and strong empirical research.
Book Synopsis Lesko's Info-power by : Matthew Lesko
Download or read book Lesko's Info-power written by Matthew Lesko and published by . This book was released on 1990 with total page 1108 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Publisher :Lulu.com ISBN 13 :1445746131 Total Pages :98 pages Book Rating :4.4/5 (457 download)
Download or read book written by and published by Lulu.com. This book was released on with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Major Studies of the Legislative Reference Service[-Congressional Research Service] by : Library of Congress. Legislative Reference Service
Download or read book Major Studies of the Legislative Reference Service[-Congressional Research Service] written by Library of Congress. Legislative Reference Service and published by . This book was released on 1975 with total page 560 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :276 pages Book Rating :4.:/5 (327 download)
Book Synopsis Usury Lending Limits by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Usury Lending Limits written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1980 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Major Studies & Issue Briefs of the Congressional Research Service by :
Download or read book Major Studies & Issue Briefs of the Congressional Research Service written by and published by . This book was released on 1989 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Small Business. Subcommittee on General Oversight and Minority Enterprise Publisher : ISBN 13 : Total Pages :300 pages Book Rating :4.:/5 (327 download)
Book Synopsis State Usury Ceilings and Their Impact on Small Businesses by : United States. Congress. House. Committee on Small Business. Subcommittee on General Oversight and Minority Enterprise
Download or read book State Usury Ceilings and Their Impact on Small Businesses written by United States. Congress. House. Committee on Small Business. Subcommittee on General Oversight and Minority Enterprise and published by . This book was released on 1980 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Annual Report of the Comptroller of the Currency to the ... Session of the ... Congress of the United States by : United States. Office of the Comptroller of the Currency
Download or read book Annual Report of the Comptroller of the Currency to the ... Session of the ... Congress of the United States written by United States. Office of the Comptroller of the Currency and published by . This book was released on 1979 with total page 346 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Monthly Catalogue, United States Public Documents by :
Download or read book Monthly Catalogue, United States Public Documents written by and published by . This book was released on 1981 with total page 836 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Housing Finance Review written by and published by . This book was released on 1983 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :1660 pages Book Rating :4.:/5 (35 download)
Book Synopsis Hearings, Reports and Prints of the Senate Committee on Banking, Housing and Urban Affairs by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Hearings, Reports and Prints of the Senate Committee on Banking, Housing and Urban Affairs written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1980 with total page 1660 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Public Regulation of Financial Services: Costs and Benefits to Consumers by : Arnold A. Heggestad
Download or read book Public Regulation of Financial Services: Costs and Benefits to Consumers written by Arnold A. Heggestad and published by Routledge. This book was released on 2019-06-10 with total page 293 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.