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This book deals with consumer lending from both theoretical and empirical points of view. In the theoretical section, it book analyses the wider context of financial literacy, household indebtedness and the global consumer credit market including relevant legal, regulatory and risk management issues. In the empirical section, the book uses The Navigator of Responsible Lending as an evaluation tool to assess both bank and non-bank consumer credit providers in the Czech Republic. Although our empirical research is done as a case study on the Czech Republic, its basic ideas might be easily applied to other countries as well. Enclosures to the book include additional texts relevant to consumer lending (including case studies and an unofficial English translation of the Czech Consumer Credit Act) and therefore provide the reader with several perspectives on the topic.

Consumer credit. --- Consumer debt --- Credit --- Consumer credit --- Loans, Personal --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Loans --- E-books

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Before the twentieth century, personal debt resided on the fringes of the American economy, the province of small-time criminals and struggling merchants. By the end of the century, however, the most profitable corporations and banks in the country lent money to millions of American debtors. How did this happen? The first book to follow the history of personal debt in modern America, Debtor Nation traces the evolution of debt over the course of the twentieth century, following its transformation from fringe to mainstream--thanks to federal policy, financial innovation, and retail competition. How did banks begin making personal loans to consumers during the Great Depression? Why did the government invent mortgage-backed securities? Why was all consumer credit, not just mortgages, tax deductible until 1986? Who invented the credit card? Examining the intersection of government and business in everyday life, Louis Hyman takes the reader behind the scenes of the institutions that made modern lending possible: the halls of Congress, the boardrooms of multinationals, and the back rooms of loan sharks. America's newfound indebtedness resulted not from a culture in decline, but from changes in the larger structure of American capitalism that were created, in part, by the choices of the powerful--choices that made lending money to facilitate consumption more profitable than lending to invest in expanded production. From the origins of car financing to the creation of subprime lending, Debtor Nation presents a nuanced history of consumer credit practices in the United States and shows how little loans became big business.

Consumer credit --- Debt --- Loans, Personal --- Crédit à la consommation --- Dettes --- Prêts personnels --- History --- Histoire --- United States --- Etats-Unis --- Economic conditions --- Economic policy --- Conditions économiques --- Politique économique --- 20th century --- Loans [Personal ] --- Consumentenkrediet --- Schulden --- Economie en handel --- Verenigde Staten --- Geschiedenis. --- 1900-1999. --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Loans --- Indebtedness --- Finance --- Consumer debt --- Credit --- American banks. --- American capitalism. --- American consumers. --- American economy. --- Federal Housing Administration. --- Federal Reserve. --- National City Bank. --- New Deal housing policy. --- Regulation W. --- Roosevelt administration. --- Title I loan program. --- borrowing. --- business loans. --- capitalism. --- commercial banks. --- commercial loans. --- consumer credit. --- consumer debt. --- consumer lending. --- consumption. --- credit access. --- credit activists. --- credit card investments. --- credit card. --- credit cards. --- credit institutions. --- credit rating. --- credit system. --- credit use. --- credit. --- debt. --- debtors. --- entrepreneurial innovation. --- federal policy. --- financial institutions. --- governmental policy. --- home equity loans. --- industrial economy. --- installment credit. --- investment capital. --- legal lending. --- legalized personal loans. --- lending. --- material prosperity. --- modern America. --- modern credit system. --- modern debt. --- money lending. --- mortgages. --- national mortgage markets. --- personal debt. --- personal lending. --- personal loan departments. --- personal loans. --- postwar United States. --- postwar prosperity. --- regulation. --- residential housing. --- revolving credit. --- social status. --- wealth inequality.