Credit Cards Increased Complexity In Rates Fees Heightens Need For More Effective Disclosures To Consumers

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Credit Cards

Author : United States Government Accountability Office
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781976350856
Total Pages : 114 pages
Book Rating : 4.3/5 (58 download)

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Book Synopsis Credit Cards by : United States Government Accountability Office

Download or read book Credit Cards written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-09-13 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt: With credit card penalty rates and fees now common, the Federal Reserve has begun efforts to revise disclosures to better inform consumers of these costs. Questions have also been raised about the relationship among penalty charges, consumer bankruptcies, and issuer profits. GAO examined (1) how card fees and other practices have evolved and how cardholders have been affected, (2) how effectively these pricing practices are disclosed to cardholders, (3) the extent to which penalty charges contribute to cardholder bankruptcies, and (4) card issuers' revenues and profitability. Among other things, GAO analyzed disclosures from popular cards; obtained data on rates and fees paid on cardholder accounts from 6 large issuers; employed a usability consultant to analyze and test disclosures; interviewed a sample of consumers selected to represent a range of education and income levels; and analyzed academic and regulatory studies on bankruptcy and card issuer revenues.

Credit Cards: Increased Complexity in Rates & Fees Heightens Need for More Effective Disclosures to Consumers

Author :
Publisher : DIANE Publishing
ISBN 13 : 9781422311462
Total Pages : 114 pages
Book Rating : 4.3/5 (114 download)

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Book Synopsis Credit Cards: Increased Complexity in Rates & Fees Heightens Need for More Effective Disclosures to Consumers by :

Download or read book Credit Cards: Increased Complexity in Rates & Fees Heightens Need for More Effective Disclosures to Consumers written by and published by DIANE Publishing. This book was released on 2006 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Gao-06-929 Credit Cards

Author : United States Government Accountability Office
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781984942548
Total Pages : 114 pages
Book Rating : 4.9/5 (425 download)

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Book Synopsis Gao-06-929 Credit Cards by : United States Government Accountability Office

Download or read book Gao-06-929 Credit Cards written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2018-02 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt: GAO-06-929 Credit Cards: Increased Complexity in Rates and Fees Heightens Need for More Effective Disclosures to Consumers

Oversight Concerns Regarding Treasury Department Conduct of the Troubled Assets [sic] Relief Program

Author : United States. Congress. House. Committee on Financial Services
Publisher :
ISBN 13 :
Total Pages : 248 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Oversight Concerns Regarding Treasury Department Conduct of the Troubled Assets [sic] Relief Program by : United States. Congress. House. Committee on Financial Services

Download or read book Oversight Concerns Regarding Treasury Department Conduct of the Troubled Assets [sic] Relief Program written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2009 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Credit Card Fair Fee Act of 2008

Author : United States. Congress. House. Committee on the Judiciary
Publisher :
ISBN 13 :
Total Pages : 32 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Credit Card Fair Fee Act of 2008 by : United States. Congress. House. Committee on the Judiciary

Download or read book Credit Card Fair Fee Act of 2008 written by United States. Congress. House. Committee on the Judiciary and published by . This book was released on 2008 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Credit Card Practices

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 : 4.0/5 ( download)

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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:

Improving Credit Card Consumer Protection

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Book Synopsis Improving Credit Card Consumer Protection by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit

Download or read book Improving Credit Card Consumer Protection 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 320 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Examining the Billing, Marketing, and Disclosure Practices of the Credit Card Industry, and Their Impact on Consumers

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 228 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Examining the Billing, Marketing, and Disclosure Practices of the Credit Card Industry, and Their Impact on Consumers by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs

Download or read book Examining the Billing, Marketing, and Disclosure Practices of the Credit Card Industry, and Their Impact on Consumers written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2009 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Modernizing Consumer Protection in the Financial Regulatory System

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 240 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Modernizing Consumer Protection in the Financial Regulatory System by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs

Download or read book Modernizing Consumer Protection in the Financial Regulatory System written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2009 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Credit Cardholders' Bill of Rights

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Book Synopsis The Credit Cardholders' Bill of Rights by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit

Download or read book The Credit Cardholders' Bill of Rights 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 2008 with total page 334 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Credit Cards

Author : Alicia Puente Cackley
Publisher : DIANE Publishing
ISBN 13 : 143792574X
Total Pages : 69 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Credit Cards by : Alicia Puente Cackley

Download or read book Credit Cards written by Alicia Puente Cackley and published by DIANE Publishing. This book was released on 2010-03 with total page 69 pages. Available in PDF, EPUB and Kindle. Book excerpt: When a consumer uses a credit card to make a purchase, the merchant does not receive the full purchase amount because a certain portion of the sale is deducted to compensate the merchant¿s bank, the bank that issued the card, and the card network that processes the transaction. The level and growth of these rates have become increasingly controversial. This report reviews: (1) how the fees merchants pay have changed over time and the factors affecting the competitiveness of the credit card market; (2) how credit card competition has affected consumers; (3) the benefits and costs to merchants of accepting cards and their ability to negotiate those costs; and (4) the potential impact of various options intended to lower merchant costs. Illustrations.

Government and Markets

Author : Edward J. Balleisen
Publisher : Cambridge University Press
ISBN 13 : 0521118484
Total Pages : 579 pages
Book Rating : 4.5/5 (211 download)

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Book Synopsis Government and Markets by : Edward J. Balleisen

Download or read book Government and Markets written by Edward J. Balleisen and published by Cambridge University Press. This book was released on 2010 with total page 579 pages. Available in PDF, EPUB and Kindle. Book excerpt: After two generations of emphasis on governmental inefficiency and the need for deregulation, we now see growing interest in the possibility of constructive governance, alongside public calls for new, smarter regulation. Yet there is a real danger that regulatory reforms will be rooted in outdated ideas. As the financial crisis has shown, neither traditional market failure models nor public choice theory, by themselves, sufficiently inform or explain our current regulatory challenges. Regulatory studies, long neglected in an atmosphere focused on deregulatory work, is in critical need of new models and theories that can guide effective policy-making. This interdisciplinary volume points the way toward the modernization of regulatory theory. Its essays by leading scholars move past predominant approaches, integrating the latest research about the interplay between human behavior, societal needs, and regulatory institutions. The book concludes by setting out a potential research agenda for the social sciences.

Harvard Law Review: Volume 127, Number 6 - April 2014

Author : Harvard Law Review
Publisher : Quid Pro Books
ISBN 13 : 161027878X
Total Pages : 430 pages
Book Rating : 4.6/5 (12 download)

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Book Synopsis Harvard Law Review: Volume 127, Number 6 - April 2014 by : Harvard Law Review

Download or read book Harvard Law Review: Volume 127, Number 6 - April 2014 written by Harvard Law Review and published by Quid Pro Books. This book was released on 2014-04-10 with total page 430 pages. Available in PDF, EPUB and Kindle. Book excerpt: The contents of Number 6 (Apr. 2014) include scholarly articles and student research, as well as as the extensive, annual survey of Developments in the Law. This year's subject is SEXUAL ORIENTATION AND GENDER IDENTITY. Topics include "Pro-Gay and Anti-Gay Speech in Schools," "Transgender Youth and Access to Gendered Spaces in Education," "Classification and Housing of Transgender Inmates in American Prisons," "Animus and Sexual Regulation," and "Progress Where You Might Least Expect It: The Military's Repeal of 'Don't Ask, Don't Tell.'" Each year, the special Developments issue serves, in effect, as a new and detailed book on a cutting-edge legal subject. The issue also includes an article by Jill C. Anderson, "Misreading Like a Lawyer: Cognitive Bias in Statutory Interpretation," and an article by Ryan Bubb & Richard H. Pildes, "How Behavioral Economics Trims Its Sails and Why." In addition, student case notes explore Recent Cases on such diverse subjects as false advertising by disseminating scientific literature, free speech rights of professors in public universities, voter identification laws, sentencing by imposing the condition of penile plethysmography, aiding and abetting violations in international law, and whether intercepting unencrypted wi-fi violates the Wiretap Act. A further student work explores the recent administrative policy of the Social Security Administration's eliminating a surgical requirement for changing trans individuals' gender designation, and another explores a recent administration white paper on national security and whether bulk metadata collection violates the USA PATRIOT Act. Finally, the issue features several summaries of Recent Publications. The Harvard Law Review is offered in a quality digital edition, featuring active Contents, linked notes, active URLs in notes, and proper ebook and Bluebook formatting. The contents of Number 6 (Apr. 2014) include scholarly essays by leading academic figures, as well as substantial student research. The Review is a student-run organization whose primary purpose is to publish a journal of legal scholarship. The organization is formally independent of the Harvard Law School. Student editors make all editorial and organizational decisions.

Regulatory Restructuring

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Domestic Monetary Policy and Technology
Publisher :
ISBN 13 :
Total Pages : 256 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis Regulatory Restructuring by : United States. Congress. House. Committee on Financial Services. Subcommittee on Domestic Monetary Policy and Technology

Download or read book Regulatory Restructuring written by United States. Congress. House. Committee on Financial Services. Subcommittee on Domestic Monetary Policy and Technology and published by . This book was released on 2009 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Credit Cards and Older Americans

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Book Synopsis Credit Cards and Older Americans by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit

Download or read book Credit Cards and Older Americans 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 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:

H.R. 5244

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Book Synopsis H.R. 5244 by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit

Download or read book H.R. 5244 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 2008 with total page 572 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Consumer Finance

Author : Alicia Puente Cackley
Publisher : DIANE Publishing
ISBN 13 : 1437933947
Total Pages : 31 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Consumer Finance by : Alicia Puente Cackley

Download or read book Consumer Finance written by Alicia Puente Cackley and published by DIANE Publishing. This book was released on 2010-10 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt: More than 12 million adults in the U.S. report they do not speak English well or at all. Proficiency in reading, writing, speaking, and understanding the English language appears to be linked to multiple dimensions of adult life in the U.S., including financial literacy -- the ability to make informed judgments and take effective actions regarding the current and future use and management of money. A recent Federal Act in 2009 mandated an examination of the relationship between fluency in the English language and financial literacy. This report examines the extent, if any, to which individuals with limited English proficiency are impeded in their financial literacy and conduct of financial affairs. Illustrations.