Truth in Lending

Theory, History, and a Way Forward

Autor: Thomas A. Durkin, Gregory Elliehausen

Jazyk:

Vazba: Pevná

Vydavatel: Oxford University Press Inc

Dostupnost: Skladem u dodavatele

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This book is a guide to the purposes, strengths, and weaknesses of disclosures as consumer protectio...

Informace o knize

Autor

Thomas A. Durkin, Gregory Elliehausen

Jazyk

Angličtina

Vazba

Kniha - Pevná

Vydáno

2011

Stránek

384

EAN

9780195172959

ISBN

0195172957

Enbook ID

04516315

Vydavatel

Oxford University Press Inc

Hmotnost

700

Rozměry

166 x 243 x 24

Kompletní popis

This book is a guide to the purposes, strengths, and weaknesses of disclosures as consumer protections in financial transactions such as loans, deposits, and consumer leases. It focuses on the federal Truth in Lending Act but also covers a variety of other federal disclosure statutes designed to protect consumers in their financial relationships. It comes at a time when federal financial consumer protection policy in the financial area is again a matter of intense public scrutiny and debate. Because of the importance of public policy issues surrounding use of disclosures as consumer protections, the intended audience includes anyone interested in these issues, not simply specialists who spend their time focused on them. For this reason, the work avoids 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 better disclosures for consumers and to what they have become today. Despite a need to outline and review prior difficulties with disclosure laws, the book remains optimistic that disclosures will continue to be an important means of consumer protection and that future reforms can improve their effectiveness and lower their regulatory costs and burden.

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Truth in Lending

Theory, History, and a Way Forward

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