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Consumer Credit In The United States
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Book Synopsis Consumer Credit in the United States by : United States. National Commission on Consumer Finance
Download or read book Consumer Credit in the United States written by United States. National Commission on Consumer Finance and published by . This book was released on 1972 with total page 322 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 Financial Management Associati. This book was released on 2014 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: This article provides an introduction to a law review symposium by the Journal of Law, Economics, and Policy on our book (co-authored with Michael E. Staten), Consumer Credit and the American Economy (Oxford 2014). The conference, held November 2014, collects several articles responding to and building on the research agenda laid out by our book. For those who have not read the book, this article is intended to summarize several of the main themes of the book, including discussion of economic models of consumer credit usage, trends in consumer credit usage over time, the use of high-cost credit, and behavioral economics.
Book Synopsis Financing the American Dream by : Lendol Calder
Download or read book Financing the American Dream written by Lendol Calder and published by Princeton University Press. This book was released on 2009-07-01 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt: Once there was a golden age of American thrift, when citizens lived sensibly within their means and worked hard to stay out of debt. The growing availability of credit in this century, however, has brought those days to an end--undermining traditional moral virtues such as prudence, diligence, and the delay of gratification while encouraging reckless consumerism. Or so we commonly believe. In this engaging and thought-provoking book, Lendol Calder shows that this conception of the past is in fact a myth. Calder presents the first book-length social and cultural history of the rise of consumer credit in America. He focuses on the years between 1890 and 1940, when the legal, institutional, and moral bases of today's consumer credit were established, and in an epilogue takes the story up to the present. He draws on a wide variety of sources--including personal diaries and letters, government and business records, newspapers, advertisements, movies, and the words of such figures as Benjamin Franklin, Mark Twain, and P. T. Barnum--to show that debt has always been with us. He vigorously challenges the idea that consumer credit has eroded traditional values. Instead, he argues, monthly payments have imposed strict, externally reinforced disciplines on consumers, making the culture of consumption less a playground for hedonists than an extension of what Max Weber called the "iron cage" of disciplined rationality and hard work. Throughout, Calder keeps in clear view the human face of credit relations. He re-creates the Dickensian world of nineteenth-century pawnbrokers, takes us into the dingy backstairs offices of loan sharks, into small-town shops and New York department stores, and explains who resorted to which types of credit and why. He also traces the evolving moral status of consumer credit, showing how it changed from a widespread but morally dubious practice into an almost universal and generally accepted practice by World War II. Combining clear, rigorous arguments with a colorful, narrative style, Financing the American Dream will attract a wide range of academic and general readers and change how we understand one of the most important and overlooked aspects of American social and economic life.
Author :United States. National Business Council for Consumer Affairs. Sub-Council on Credit and Related Terms of Sale Publisher : ISBN 13 : Total Pages :76 pages Book Rating :4.:/5 (31 download)
Book Synopsis Financing the American Consumer by : United States. National Business Council for Consumer Affairs. Sub-Council on Credit and Related Terms of Sale
Download or read book Financing the American Consumer written by United States. National Business Council for Consumer Affairs. Sub-Council on Credit and Related Terms of Sale and published by . This book was released on 1972 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Credit in the United States by : United States. National Commission on Consumer Finance
Download or read book Consumer Credit in the United States written by United States. National Commission on Consumer Finance and published by . This book was released on 1972 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :242 pages Book Rating :4.F/5 ( download)
Book Synopsis 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
Download or read book The Importance of the National Credit Reporting System to Consumers and the U.S. Economy written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2003 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :172 pages Book Rating :4.F/5 ( download)
Book Synopsis Giving Consumers Credit by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Giving Consumers Credit written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2001 with total page 172 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Engine of Enterprise by : Rowena Olegario
Download or read book The Engine of Enterprise written by Rowena Olegario and published by Harvard University Press. This book was released on 2016-02-15 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Tracing credit from colonial times to the present and highlighting its productive role in building national prosperity, Rowena Olegario probes questions that have divided Americans: Who should have access to credit? How should creditors assess creditworthiness? How can borrowers and lenders accommodate to the risks of a credit-dependent economy?
Book Synopsis The Development of Consumer Credit in Global Perspective by : J. Logemann
Download or read book The Development of Consumer Credit in Global Perspective written by J. Logemann and published by Springer. This book was released on 2012-07-16 with total page 392 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :192 pages Book Rating :4.0/5 (17 download)
Book Synopsis Helping Consumers Obtain the Credit They Deserve by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Helping Consumers Obtain the Credit They Deserve written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2005 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :516 pages Book Rating :4.:/5 (327 download)
Book Synopsis Fair Credit Reporting Act by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Fair Credit Reporting Act written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2003 with total page 516 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance Publisher : ISBN 13 : Total Pages :156 pages Book Rating :4.0/5 (18 download)
Book Synopsis Trends in Consumer Credit Affordability by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance
Download or read book 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 published by . This book was released on 1994 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :184 pages Book Rating :4.F/5 ( download)
Book Synopsis Credit Card Practices by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Credit Card Practices written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2007 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer Credit Publisher : ISBN 13 : Total Pages :216 pages Book Rating :4.3/5 ( download)
Book Synopsis National Commission on Consumer Finance by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer Credit
Download or read book National Commission on Consumer Finance written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer Credit and published by . This book was released on 1973 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Credit in the United States by : D. Marron
Download or read book Consumer Credit in the United States written by D. Marron and published by Springer. This book was released on 2009-11-23 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is commonly imagined that in recent years the rampant growth of consumer credit has lured American consumers into a crippling state of indebtedness, a state that has upended old cultural values of Puritan thrift and stimulated a frenzy of consumption. Drawing on the sociological concept of government and informed by a historical perspective, Marron presents a much more complex and nuanced reality. From its early antecedents in nineteenth century salary lending and instalment selling, she shows how the emergence and growth of consumer credit in the United States have always been subject to shifting regimes of control and regulation.
Download or read book Creditworthy written by Josh Lauer and published by Columbia University Press. This book was released on 2017-07-25 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports—and, later, credit ratings and credit scores—credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with—and determines—our social standing as an honest, reliable, profit-generating person.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :236 pages Book Rating :4.F/5 ( download)
Book Synopsis An Overview of the Credit Reporting System by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book An Overview of the Credit Reporting System written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2015 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: