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Author : Richard E. Beck (Jr.)
Publisher :
ISBN 13 : 9780899826301
Total Pages : 448 pages
Book Rating : 4.8/5 (263 download)
Download or read book Consumer Lending written by Richard E. Beck (Jr.) and published by . This book was released on 2009 with total page 448 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : David Lawrence
Publisher :
ISBN 13 : 0971753717
Total Pages : pages
Book Rating : 4.9/5 (717 download)
Download or read book Managing a Consumer Lending Business written by David Lawrence and published by . This book was released on 2012-03-16 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Thomas A. Durkin
Publisher : Financial Management Associati
ISBN 13 : 0195169921
Total Pages : 737 pages
Book Rating : 4.1/5 (951 download)
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.
Author : Richard E. Gottlieb
Publisher :
ISBN 13 : 9781402422614
Total Pages : 1222 pages
Book Rating : 4.4/5 (226 download)
Download or read book Consumer Financial Services Answer Book (2015 Edition) written by Richard E. Gottlieb and published by . This book was released on 2014 with total page 1222 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Lendol Calder
Publisher : Princeton University Press
ISBN 13 : 1400822831
Total Pages : 400 pages
Book Rating : 4.4/5 (8 download)
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 : Lyn C. Thomas
Publisher : OUP Oxford
ISBN 13 : 0191552496
Total Pages : 400 pages
Book Rating : 4.1/5 (915 download)
Download or read book Consumer Credit Models written by Lyn C. Thomas and published by OUP Oxford. This book was released on 2009-01-29 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt: The use of credit scoring - the quantitative and statistical techniques to assess the credit risks involved in lending to consumers - has been one of the most successful if unsung applications of mathematics in business for the last fifty years. Now with lenders changing their objectives from minimising defaults to maximising profits, the saturation of the consumer credit market allowing borrowers to be more discriminating in their choice of which loans, mortgages and credit cards to use, and the Basel Accord banking regulations raising the profile of credit scoring within banks there are a number of challenges that require new models that use credit scores as inputs and extensions of the ideas in credit scoring. This book reviews the current methodology and measures used in credit scoring and then looks at the models that can be used to address these new challenges. The first chapter describes what a credit score is and how a scorecard is built which gives credit scores and models how the score is used in the lending decision. The second chapter describes the different ways the quality of a scorecard can be measured and points out how some of these measure the discrimination of the score, some the probability prediction of the score, and some the categorical predictions that are made using the score. The remaining three chapters address how to use risk and response scoring to model the new problems in consumer lending. Chapter three looks at models that assist in deciding how to vary the loan terms made to different potential borrowers depending on their individual characteristics. Risk based pricing is the most common approach being introduced. Chapter four describes how one can use Markov chains and survival analysis to model the dynamics of a borrower's repayment and ordering behaviour . These models allow one to make decisions that maximise the profitability of the borrower to the lender and can be considered as part of a customer relationship management strategy. The last chapter looks at how the new banking regulations in the Basel Accord apply to consumer lending. It develops models that show how they will change the operating decisions used in consumer lending and how their need for stress testing requires the development of new models to assess the credit risk of portfolios of consumer loans rather than a models of the credit risks of individual loans.
Author : United States. National Commission on Consumer Finance
Publisher :
ISBN 13 :
Total Pages : 348 pages
Book Rating : 4.:/5 (51 download)
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 348 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Jing Jian Xiao
Publisher : Springer
ISBN 13 : 3319288873
Total Pages : 376 pages
Book Rating : 4.3/5 (192 download)
Download or read book Handbook of Consumer Finance Research written by Jing Jian Xiao and published by Springer. This book was released on 2016-05-30 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.
Author : David B. Lawrence
Publisher :
ISBN 13 :
Total Pages : 428 pages
Book Rating : 4.3/5 (91 download)
Download or read book Handbook of Consumer Lending written by David B. Lawrence and published by . This book was released on 1992 with total page 428 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Alexander Hill-Smith
Publisher : CRC Press
ISBN 13 : 1317697022
Total Pages : 552 pages
Book Rating : 4.3/5 (176 download)
Download or read book Consumer Credit written by Alexander Hill-Smith and published by CRC Press. This book was released on 2015-02-20 with total page 552 pages. Available in PDF, EPUB and Kindle. Book excerpt: The field of consumer credit law has undergone major and fundamental change in the recent past, due in part to the regulation since 1 April 2014 of consumer credit by the Financial Conduct Authority, and this book provides a clear and complete guide to this difficult area of law. Fully updated for the second edition, the author considers new developments including: the new authorisation process under the Financial Services and Markets Act 2000, including the interim permission regime, and its consequences; the new regime for financial promotions as applied to credit and hire advertising; the new rules controlling high cost short term lending and peer to peer lending; the new provisions of the recently released Consumer Credit Sourcebook (CONC); the new requirements governing mortgage lending as contained in MCOB; the requirements for distance selling and off-premises contracts as applied to consumer credit and consumer hire including the impact of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013; the jurisdiction of the financial ombudsman service on consumer credit. Also considered is the recent case law on the powerful unfair relationships jurisdiction. This comprehensive and practical guide is essential reading for legal practitioners, finance houses, credit reference agencies and retail organisations.
Author : Joseph R. Miller
Publisher :
ISBN 13 : 9780972985505
Total Pages : 212 pages
Book Rating : 4.9/5 (855 download)
Download or read book The Borrowing Money Guide written by Joseph R. Miller and published by . This book was released on 2003 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: Presenting unbiased information about borrowing money and an understandig of the processes involved, this easy-to-read, step-by-step book will help you avoid costly credit mistakes and show you how o protect one of your most prized assets ---your credit
Author : J. Logemann
Publisher : Springer
ISBN 13 : 113706207X
Total Pages : 392 pages
Book Rating : 4.1/5 (37 download)
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 : Karen Fairweather
Publisher : Taylor & Francis
ISBN 13 : 1317158083
Total Pages : 262 pages
Book Rating : 4.3/5 (171 download)
Download or read book Credit, Consumers and the Law written by Karen Fairweather and published by Taylor & Francis. This book was released on 2016-10-14 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer law, particularly consumer credit law, is characterised by increasingly complex regulation in Western economies. Reacting to the Global Financial Crisis, governments in the UK, the EU, Australia, New Zealand and the United States have adopted new laws dealing with consumer credit, responsible lending, consumer guarantees and unfair contracts. Drawing together authors from all of these jurisdictions, this book analyses and evaluates these initiatives, and makes predictions as to their likely success and possible flaws.
Author : Paul Beares
Publisher :
ISBN 13 : 9780899823348
Total Pages : 356 pages
Book Rating : 4.8/5 (233 download)
Download or read book Consumer Lending written by Paul Beares and published by . This book was released on 1992 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Institute of Financial Education
Publisher :
ISBN 13 : 9780912857848
Total Pages : 240 pages
Book Rating : 4.8/5 (578 download)
Download or read book Consumer Lending written by Institute of Financial Education and published by . This book was released on 1997 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Hal Bolitho
Publisher :
ISBN 13 : 9780409338959
Total Pages : 1066 pages
Book Rating : 4.3/5 (389 download)
Download or read book Duggan & Lanyon's Consumer Credit Law written by Hal Bolitho and published by . This book was released on 2019 with total page 1066 pages. Available in PDF, EPUB and Kindle. Book excerpt: Duggan & Lanyon¿s Consumer Credit Law is suitable for both lawyers specialising in lending as well as those whose practitioners whose involvement with the Code is more peripheral. The updated and revised second edition covers all major developments in legislation and case law since the first edition was published in 1999. Written by experts in the field, this title concentrates on the Code but covers related laws and various state and territory laws governing the licensing and registration of credit providers and the constitution of tribunals. Features: - Authoritative and accessible piece of legal writing - Comprehensive coverage of the NCCP - Expert authors with strong reputations in the consumer credit field
Author : Ivana Bartoletti
Publisher : John Wiley & Sons
ISBN 13 : 1119551927
Total Pages : 782 pages
Book Rating : 4.1/5 (195 download)
Download or read book The AI Book written by Ivana Bartoletti and published by John Wiley & Sons. This book was released on 2020-04-09 with total page 782 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by prominent thought leaders in the global fintech space, The AI Book aggregates diverse expertise into a single, informative volume and explains what artifical intelligence really means and how it can be used across financial services today. Key industry developments are explained in detail, and critical insights from cutting-edge practitioners offer first-hand information and lessons learned. Coverage includes: · Understanding the AI Portfolio: from machine learning to chatbots, to natural language processing (NLP); a deep dive into the Machine Intelligence Landscape; essentials on core technologies, rethinking enterprise, rethinking industries, rethinking humans; quantum computing and next-generation AI · AI experimentation and embedded usage, and the change in business model, value proposition, organisation, customer and co-worker experiences in today’s Financial Services Industry · The future state of financial services and capital markets – what’s next for the real-world implementation of AITech? · The innovating customer – users are not waiting for the financial services industry to work out how AI can re-shape their sector, profitability and competitiveness · Boardroom issues created and magnified by AI trends, including conduct, regulation & oversight in an algo-driven world, cybersecurity, diversity & inclusion, data privacy, the ‘unbundled corporation’ & the future of work, social responsibility, sustainability, and the new leadership imperatives · Ethical considerations of deploying Al solutions and why explainable Al is so important
