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Regulating for Legitimacy:Consumer Credit Access in France and America
Borrowing and Debt Credit Financial Markets Personal Finance Governing Rules
2015/4/23
Theories of legitimate regulation have emphasized the role of governments either in fixing market failures to promote greater efficiency or in restricting the efficient functioning of markets in order...
Fueling the Credit Crisis: Who Uses Consumer Credit and What Drives Debt Burden?
consumer debt credit attitude personal savings
2011/9/2
Excessive household debt contributed to the worst recession in decades. Insights about borrowing and spending behavior can inform economic recovery forecasts, policy decisions, and financial education...
CREDIT REGULATIONS AND CONSUMER BUYING - A CRITICAL EVALUATION OF AVAILABLE CONSUMER CREDIT STATISTICS
a critical evaluation available consumer credit statistics three principal types of credit statistics periodic basis
2011/9/2
The article presents a critical evaluation of available consumer credit statistics. It is reported that there are three principal types of consumer credit statistics available on a regular or periodic...
THE USEFULNESS OF "OTHER" LOANS AS A CURRENT INDICATOR OF MOVEMENTS IN CONSUMER CREDIT
consumer credit economic activity weekly series consistent indicator
2011/9/2
This article focuses on the role that consumer credit plays in economic activity. One of the article's goals is to call attention to the "Other" loans entry on the United States Federal Reserve Board'...
COST OF PROVIDING CONSUMER CREDIT: A STUDY OF FOUR MAJOR TYPES OF FINANCIAL INSTITUTIONS
Consumer credit consumer finance companies manufacturing corporations Average finance charges
2011/9/2
Consumer credit is supplied in many forms, ranging from small, unsecured loans to long-term contracts of thousands of dollars protected by valuable collateral. It is sometimes provided on a personaliz...
Indirect Evidence on the Efficacy of Selective Credit Controls: The Case of Consumer Credit
an empirical analysis consumer durable expenditures adjustments in consumer credit extensions expenditure distribution
2011/9/2
The article focuses on an empirical analysis on if consumer durable expenditures respond to adjustments in consumer credit extensions, using the Sims test for causality. It states that there is eviden...
Consumer credit card ownership and usage practices: empirical evidence from Sri Lanka
Consumer credit card ownership credit card usage credit cards
2011/8/26
Knowledge that has been accumulated through research efforts concerning credit card ownership and usage behaviour has been confined to Western societies. Given the importance of cross-national applica...
Beyond Disparate Impact: Risk-based Pricing and Disparity in Consumer Credit History Scores
Credit scoring Risk-based pricing expanding range of activities
2011/8/22
Despite the increasing importance of credit scoring to an expanding range of activities, very little is known about the nature of the credit scoring process. This article examines the interaction of c...
Consumer Credit: A Primer for Financial Service Professionals and Their Clients
financial crisis Responsibility and Disclosure credit card
2011/8/22
As a result of restricted lending following the recent financial crisis, implementation of the 2009 Credit Card Accountability, Responsibility and Disclosure (CARD) Act, and widespread changes in cred...
Consumer Credit: A Primer for Financial Service Professionals and Their Clients
Consumer Credit Financial Service Professionals financial crisis
2011/8/20
As a result of restricted lending following the recent financial crisis, implementation of the 2009 Credit Card Accountability, Responsibility and Disclosure (CARD) Act, and widespread changes in cred...