Banking the Poor explores level and determinants of financial access in 54 countries, mostly in Africa. It collects information from two sources: central banks and leading commercial banks in each surveyed country. It explores associations between countries' banking policies and practices and their levels of financial access, measured in terms of the numbers of bank account per thousand adults. It builds on the previous work measuring financial access through information from regulators, from banks, and also from users' perspectives in household surveys.

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

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.

The University of Chicago Law Review's third issue of 2013 features articles and essays from internationally recognized legal and policy scholars, as well as extensive student research on cutting-edge topics. Contents include: ARTICLES * Tortfest, by J. Shahar Dillbary * Judging the Flood of Litigation, by Marin K. Levy * Unbundling Constitutionality, by Richard Primus * When Nudges Fail: Slippery Defaults, by Lauren E. Willis COMMENTS * The Firearm-Disability Dilemma: Property Insights into Felon Gun Rights * Pleading in Technicolor: When Can Litigants Incorporate Audiovisual Works into Their Complaints? * Fun with Numbers: Gall's Mixed Message regarding Variance Calculations * The Availability of Discovery Sanctions for Violations of Protective Orders * Corruption Clarified: Defining the Reach of "Agent" in 18 USC § 666 * Extra Venues for Extraterritorial Crimes? 18 USC § 3238 and Cross-Border Criminal Activity * A Historical Approach to Negligent Misrepresentation and Federal Rule of Civil Procedure 9(b) REVIEW ESSAY * Commons and Growth: The Essential Role of Open Commons in Market Economies, by Yochai Benkler The University of Chicago Law Review first appeared in 1933, thirty-one years after the Law School offered its first classes. Since then the Law Review has continued to serve as a forum for the expression of ideas of leading professors, judges, and practitioners, as well as student-authors ... and as a training ground for University of Chicago Law School students, who serve as its editors and contribute original research. Principal articles and essays are authored by internationally recognized legal scholars. Quality eBook editions feature active Contents, linked footnotes, and linked URLs in notes.