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Author : Marilyn Kay Gajeski
Publisher :
ISBN 13 :
Total Pages : 240 pages
Book Rating : 4.:/5 (129 download)
Download or read book Consumer Protection in the American Economy written by Marilyn Kay Gajeski and published by . This book was released on 1970 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Thomas A. Durkin
Publisher :
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 . 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.
Author : Jane K. Winn
Publisher : Ashgate Publishing, Ltd.
ISBN 13 : 1409493210
Total Pages : 482 pages
Book Rating : 4.4/5 (94 download)
Download or read book Consumer Protection in the Age of the 'Information Economy' written by Jane K. Winn and published by Ashgate Publishing, Ltd.. This book was released on 2013-01-28 with total page 482 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume considers the impact of technological innovation on the foundations of consumer advocacy, contracting behaviour, control over intellectual capital and information privacy. A unique and timely perspective on these issues is presented by internationally renowned experts who provide novel approaches to the question of what consumer protection might consist of in the context of technological innovation.
Author : Jane K. Winn
Publisher : Routledge
ISBN 13 : 131716119X
Total Pages : 476 pages
Book Rating : 4.3/5 (171 download)
Download or read book Consumer Protection in the Age of the 'Information Economy' written by Jane K. Winn and published by Routledge. This book was released on 2016-05-23 with total page 476 pages. Available in PDF, EPUB and Kindle. Book excerpt: To date, there have been few theoretical inquiries into the relationship between the technological innovation and basic objectives of consumer protection laws. This book addresses this need by considering the impact of technological innovation on the foundations of consumer advocacy, contracting behaviour, control over intellectual capital and information privacy. The collection presents a unique and timely perspective on these issues. The authors, internationally renowned experts, from diverse areas such as consumer issues in technology markets, contract, and intellectual property provide a fresh perspective on these topics. Contributions provide novel approaches to the question of what consumer protection might consist of in the context of technological innovation. The book will be a valuable resource to academics and researchers in law and public policy and is easily accessible to graduate and undergraduate students working in these areas.
Author : United States. Congress. Senate. Committee on Commerce, Science, and Transportation. Subcommittee on Consumer Protection, Product Safety, and Insurance
Publisher :
ISBN 13 :
Total Pages : 76 pages
Book Rating : 4.3/5 (91 download)
Download or read book The Economy and Fraud written by United States. Congress. Senate. Committee on Commerce, Science, and Transportation. Subcommittee on Consumer Protection, Product Safety, and Insurance and published by . This book was released on 2010 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : E. Thomas Garman
Publisher : Thomson South-Western
ISBN 13 : 9780324109399
Total Pages : 0 pages
Book Rating : 4.1/5 (93 download)
Download or read book Consumer Economic Issues in America written by E. Thomas Garman and published by Thomson South-Western. This book was released on 2002 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Economic Issues in America empowers consumers with the knowledge to recognize and pursue their moral and legal rights. The book takes a pro-consumer and normative view as it reveals the vested economic interests of businesses, governments, and consumers today. The authors emphasize higher-order thinking using basic economic concepts to analyze consumer issues. Readers gain a strong understanding of the American economic system and the concepts of consumer sovereignty and consumer interest. They become equipped with the evaluative criteria for judging products and services, tools for living, the ability to analyze consumer issues, and an understanding of factors that affect buying decisions. The text examines capitalism and how resources are allocated in the U.S. marketplace. Discussions focus on economic concepts critical to consumer success, consumers in a global economic marketplace, and the details of the government regulating economic and consumer interests. Readers examine the breadth of current consumer interest concerns using a framework for analyzing and resolving issues and developing rational decision-making skills.
Author : Robert O. Herrmann
Publisher : Thomson South-Western
ISBN 13 :
Total Pages : 584 pages
Book Rating : 4.:/5 (89 download)
Download or read book Consumer Choice in the American Economy written by Robert O. Herrmann and published by Thomson South-Western. This book was released on 1988 with total page 584 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Lucy Black Creighton
Publisher : Lexington, Mass. : Lexington Books
ISBN 13 :
Total Pages : 168 pages
Book Rating : 4.F/5 ( download)
Download or read book Pretenders to the Throne written by Lucy Black Creighton and published by Lexington, Mass. : Lexington Books. This book was released on 1976 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Thomas Tacker
Publisher : Rowman & Littlefield
ISBN 13 : 1498577423
Total Pages : 188 pages
Book Rating : 4.4/5 (985 download)
Download or read book Rethinking Consumer Protection written by Thomas Tacker and published by Rowman & Littlefield. This book was released on 2019-07-15 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explains how revamped consumer protection regulations, allowing greater individual choice, along with the government partially shifting to more of an advisory role, can save many thousands of lives annually, and make medicines and other products radically cheaper. Major case studies include the FDA, TSA passenger screening, and Uber versus taxis.
Author : Andrew Haughwout
Publisher : Academic Press
ISBN 13 : 0128135255
Total Pages : 456 pages
Book Rating : 4.1/5 (281 download)
Download or read book Handbook of US Consumer Economics written by Andrew Haughwout and published by Academic Press. This book was released on 2019-08-12 with total page 456 pages. Available in PDF, EPUB and Kindle. Book excerpt: Handbook of U.S. Consumer Economics presents a deep understanding on key, current topics and a primer on the landscape of contemporary research on the U.S. consumer. This volume reveals new insights into household decision-making on consumption and saving, borrowing and investing, portfolio allocation, demand of professional advice, and retirement choices. Nearly 70% of U.S. gross domestic product is devoted to consumption, making an understanding of the consumer a first order issue in macroeconomics. After all, understanding how households played an important role in the boom and bust cycle that led to the financial crisis and recent great recession is a key metric. Introduces household finance by examining consumption and borrowing choices Tackles macro-problems by observing new, original micro-data Looks into the future of consumer spending by using data, not questionnaires
Author : Thomas A. Durkin
Publisher : Springer Science & Business Media
ISBN 13 : 9780792374183
Total Pages : 360 pages
Book Rating : 4.3/5 (741 download)
Download or read book The Impact of Public Policy on Consumer Credit written by Thomas A. Durkin and published by Springer Science & Business Media. This book was released on 2002 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: As both the twenty-first century and the new millennium opened and the old eras passed into history, individuals and organizations throughout the world advanced their listings of the most significant people and events in their respective specialties. Possibly more important, the tum of the clock and calendar also offered these same observers a good reason to glance into the crystal ball. Presumably, the past is of greatest interest to most people when it permits better understanding of the present, and maybe even limited insight into the outlook. In keeping with the reflective mood of the time, the staff and friends of the Credit Research Center (CRC) at Georgetown University's McDonough School of Business noted that the beginning of the new millennium also marked the beginning of the second quarter-century of the Center's existence. The Center began at the Krannert Graduate School of Management at Purdue University in 1974 and moved to the McDonough School of Business at Georgetown University in 1997. The silver anniversary of its founding offered the occasion for creating more than another listing of significant past accomplishments and milestones. Rather, it offered the opportunity and, indeed, a mandate for CRC as an academic research center, to undertake a retrospective and future look into the status of research questions pertaining to consumer credit markets. For this reason, the Center organized a research conference which was held in Washington, D. C.
Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 160 pages
Book Rating : 4.:/5 (327 download)
Download or read book Creating a Consumer Financial Protection Agency written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2010 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Richard Cordray
Publisher : Oxford University Press
ISBN 13 : 0197503004
Total Pages : 256 pages
Book Rating : 4.1/5 (975 download)
Download or read book Watchdog written by Richard Cordray and published by Oxford University Press. This book was released on 2020-02-03 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every day across America, consumers face issues with credit cards, mortgages, car loans, and student loans. When they are cheated or mistreated, all too often they hit a brick wall against the financial companies. People are fed up with being run over by big corporations, and few have the resources or expertise to fight back on their own. It is no wonder consumers feel powerless: they are outgunned every step of the way. Since 1970, the financial industry has doubled in size. It is the biggest source of campaign contributions to federal candidates and parties, spending about $1 billion annually on campaigns and another $500 million on lobbying. The four biggest banks each now has more than $1 trillion in assets. Financial products have become a mass of fine print that consumers can hardly even read, let alone understand. Growing problems in the increasingly one-sided finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Sharing the stories of individual consumers, Watchdog shows how the Bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how our system can be reformed by putting government back on the side of the people, to strengthen our families, safeguard the marketplace, and establish a new baseline of fairness in our democratic society.
Author : Mallory E. SoRelle
Publisher : University of Chicago Press
ISBN 13 : 022671182X
Total Pages : 302 pages
Book Rating : 4.2/5 (267 download)
Download or read book Democracy Declined written by Mallory E. SoRelle and published by University of Chicago Press. This book was released on 2020-12-14 with total page 302 pages. Available in PDF, EPUB and Kindle. Book excerpt: As Elizabeth Warren memorably wrote, “It is impossible to buy a toaster that has a one-in-five chance of bursting into flames and burning down your house. But it is possible to refinance an existing home with a mortgage that has the same one-in-five chance of putting the family out on the street.” More than a century after the government embraced credit to fuel the American economy, consumer financial protections in the increasingly complex financial system still place the onus on individuals to sift through fine print for assurance that they are not vulnerable to predatory lending and other pitfalls of consumer financing and growing debt. In Democracy Declined, Mallory E. SoRelle argues that the failure of federal policy makers to curb risky practices can be explained by the evolution of consumer finance policies aimed at encouraging easy credit in part by foregoing more stringent regulation. Furthermore, SoRelle explains how angry borrowers’ experiences with these policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals—they threaten the stability of entire economies. SoRelle identifies pathways to mitigate these potentially disastrous consequences through greater public participation.
Author : Thomas A. Durkin
Publisher :
ISBN 13 : 9780199384976
Total Pages : 720 pages
Book Rating : 4.3/5 (849 download)
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 720 pages. Available in PDF, EPUB and Kindle. Book excerpt: This text examines the economic, psychological, sociological, historical, and legal traditions behind the demand, supply, institutions, and regulation of consumer credit in today's marketplace and how and why they have evolved.
Author : Jing Jian Xiao
Publisher : Springer
ISBN 13 : 149392821X
Total Pages : 230 pages
Book Rating : 4.4/5 (939 download)
Download or read book Consumer Economic Wellbeing written by Jing Jian Xiao and published by Springer. This book was released on 2015-06-01 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: This timely text overviews theories, concepts, and contexts relating to the emerging field of behavioral economics. Research theories and data gathered across psychology, sociology, marketing, finance, and other relevant disciplines are synthesized to identify and elaborate on the defining aspects of consumer economic wellbeing. Against a background of consumer rights and responsibilities, the book discusses consumer phenomena of earning, spending, saving, and borrowing and their contributions to improving (and in some cases to worsening) economic wellness. In addition, the author presents effective ways consumers can be encouraged to navigate key economic environments such as the media, advertising, and the internet, and to change negative financial behaviors. Among the featured topics: Historical perspective on consumer economic wellbeing. Consumer financial capability and economic wellbeing. The role of government in promoting consumer economic wellbeing. Corporate social responsibility. Theories of online shopping and e-banking. Desirable and undesirable consumption behavior. Consumer Economic Wellbeing clarifies issues and provides insights for researchers in the fields of consumer psychology and economics, psychologists and mental health professionals, and policy analysts. It is also useful as a text for college courses in related subjects.
Author : Robert Langran
Publisher :
ISBN 13 :
Total Pages : 360 pages
Book Rating : 4.3/5 (555 download)
Download or read book Government, Business, and the American Economy written by Robert Langran and published by . This book was released on 2001 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: For undergraduate/graduate level courses in Business and Government, and courses in the departments of Economics, Political Science, and Public Administration. This current and inclusive text discusses the role of government in American economy covering such topics as antitrust laws, deregulation of communication, consumer protection, employment policy, and the roles of special interest groups. A look at international trading blocs, and America in a global economy, provides students with an understanding of the far reaching effects of government on the United States, and gives them a wealth of knowledge that will be of value in everyday life.
