Payday Loans
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Author |
: Carl Packman |
Publisher |
: |
Total Pages |
: 168 |
Release |
: 2014-08-03 |
ISBN-10 |
: 1907720987 |
ISBN-13 |
: 9781907720987 |
Rating |
: 4/5 (87 Downloads) |
Synopsis Loan Sharks the Rise and Rise of Payday Lending by : Carl Packman
Before the publication of the first edition of my book Loan Sharks I heard some very well meaning criticisms of my work, along the lines of the following: we realise that payday lending is bad but it is only a symptom, not a cause, of the economic crisis we find ourselves in today - therefore should we not focus our attention on taking down the whole system which has allowed this type of industry to proliferate? However we still need to account for why it is that predatory lenders have profited so much off the back of the financially vulnerable, and hold companies to account for their codes of conduct... Banks fall over themselves to lend to rich customers who promise large glittering deposits and low risks. They tempt them with sweet deals and low rates. The less well-off are treated very differently. Many at the bottom are denied credit from mainstream lenders, or forced to pay higher premiums. In the wake of the financial crisis, more of us are slipping into this category. We are compelled to find credit elsewhere. Payday loans are therefore on the rise.
Author |
: Jee Leong Koh |
Publisher |
: |
Total Pages |
: 36 |
Release |
: 2007 |
ISBN-10 |
: 0981767893 |
ISBN-13 |
: 9780981767895 |
Rating |
: 4/5 (93 Downloads) |
Synopsis Payday Loans by : Jee Leong Koh
The U.S. Federal Trade Commission (FTC) presents the February 2000 consumer alert "Payday Loans=Costly Cash." The alert cautions consumers against using the small, short-term, high-rate loans known as payday loans. These types of loans are also called cash advance loans, check advance loans, post-dated check loans or deferred deposit check loans.
Author |
: |
Publisher |
: Adam Smith |
Total Pages |
: 31 |
Release |
: |
ISBN-10 |
: |
ISBN-13 |
: |
Rating |
: 4/5 ( Downloads) |
Synopsis Payday Loans Online by :
Author |
: Carl Packman |
Publisher |
: Springer |
Total Pages |
: 191 |
Release |
: 2014-09-16 |
ISBN-10 |
: 9781137361103 |
ISBN-13 |
: 1137361107 |
Rating |
: 4/5 (03 Downloads) |
Synopsis Payday Lending by : Carl Packman
Payday Lending looks at the growth of the high cost credit industry from the early payday lending industry in the early 1990s to its development in the US as a highly profitable industry around the world.
Author |
: Lisa Servon |
Publisher |
: Houghton Mifflin Harcourt |
Total Pages |
: 264 |
Release |
: 2017-01-10 |
ISBN-10 |
: 9780544611184 |
ISBN-13 |
: 0544611187 |
Rating |
: 4/5 (84 Downloads) |
Synopsis The Unbanking of America by : Lisa Servon
Why Americans are fleeing our broken banking system: “Startling and absorbing…Required reading for fans of muckraking authors like Barbara Ehrenreich.”—Publishers Weekly (starred review) What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twentysomething graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their lower- and middle-income customers while serving only the wealthiest Americans. Lisa Servon delivers a stunning indictment of America’s banks, together with eye-opening dispatches from inside a range of banking alternatives that have sprung up to fill the void. She works as a teller at RiteCheck, a check-cashing business in the South Bronx, and as a payday lender in Oakland. She looks closely at the workings of a tanda, an informal lending club. And she delivers engaging, hopeful portraits of the entrepreneurs reacting to the unbanking of America by designing systems to creatively serve those outside the one percent. “Valuable evidence on the fragility of the personal economies of most Americans these days.”—Kirkus Reviews “An intelligent plea for financial justice…[An] excellent book.”—The Christian Science Monitor
Author |
: United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit |
Publisher |
: |
Total Pages |
: 136 |
Release |
: 2009 |
ISBN-10 |
: UOM:39015090375018 |
ISBN-13 |
: |
Rating |
: 4/5 (18 Downloads) |
Synopsis H.R. 1214, the Payday Loan Reform Act of 2009 by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Author |
: Steve Perry |
Publisher |
: Pneuma Springs Publishing |
Total Pages |
: 110 |
Release |
: 2011-09-01 |
ISBN-10 |
: 9781907728273 |
ISBN-13 |
: 1907728279 |
Rating |
: 4/5 (73 Downloads) |
Synopsis When Payday Loans Go Wrong by : Steve Perry
Learn how a catastophic spiral of payday loan debt was conceived, endured and defeated. This is the story of Steve Perry's battle against the industry, a fight which has left its scars on both sides, it's a story to give strength to all of those who are in payday hell.
Author |
: |
Publisher |
: |
Total Pages |
: 244 |
Release |
: 2005-09 |
ISBN-10 |
: |
ISBN-13 |
: |
Rating |
: 4/5 ( Downloads) |
Synopsis Ebony by :
EBONY is the flagship magazine of Johnson Publishing. Founded in 1945 by John H. Johnson, it still maintains the highest global circulation of any African American-focused magazine.
Author |
: Mehrsa Baradaran |
Publisher |
: Harvard University Press |
Total Pages |
: 337 |
Release |
: 2015-10-06 |
ISBN-10 |
: 9780674495449 |
ISBN-13 |
: 0674495446 |
Rating |
: 4/5 (49 Downloads) |
Synopsis How the Other Half Banks by : Mehrsa Baradaran
The United States has two separate banking systems today—one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities—all thanks to deregulation that began in the 1970s and continues decades later. “Baradaran argues persuasively that the banking industry, fattened on public subsidies (including too-big-to-fail bailouts), owes low-income families a better deal...How the Other Half Banks is well researched and clearly written...The bankers who fully understand the system are heavily invested in it. Books like this are written for the rest of us.” —Nancy Folbre, New York Times Book Review “How the Other Half Banks tells an important story, one in which we have allowed the profit motives of banks to trump the public interest.” —Lisa J. Servon, American Prospect
Author |
: Alicia Puente Cackley |
Publisher |
: DIANE Publishing |
Total Pages |
: 60 |
Release |
: 2011-04 |
ISBN-10 |
: 9781437980790 |
ISBN-13 |
: 1437980791 |
Rating |
: 4/5 (90 Downloads) |
Synopsis Payday Lending: Federal Law Enforcement Uses a MultiLayered Approach to Identify Employees in Financial Distress by : Alicia Puente Cackley
In the U.S., payday lending (PL) is a $40 billion a year industry. A PL is a small-dollar loan -- from $100 to $500 and re-payable in about two weeks. Consumers can pay fees of $15-20 for every $100 borrowed. In 2006 the DoD reported on predatory lending, incl. PL, and found that these loans impacted military readiness and troop morale. Concerns were raised about PL to federal employees in law enforcement and national security positions at four components. This report examined: (1) how these federal law enforcement agencies become aware of employees who are potential security risks due to financial problems, including PL; and (2) various alternatives to PL. Charts and tables. This is a print on demand edition of an important, hard-to-find report.