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This book analyzes the highly contentious payday lending industry, presenting valuable new data collected during Canada's recent regulatory reviews and demonstrating its relevance to payday lending conversations taking place worldwide. The authors treat the industry with a balanced hand by establishing its importance as an example of financialization and acknowledging the complex impact of payday lending services on low-income and credit-constrained clients. Up-to-date data from an interdisciplinary mix of financial, econometric, legal, behavioral economic, and socioeconomic sources—all in the context of an established Canadian industry—provide both proponents and opponents of payday lending with valuable evidence for their discussions of how much regulation is required to minimize harmful consequences. These insights from Canada expand a US-centric conversation and provide a key resource for the growing list of countries in which the industry is present, from the UK and Poland to South Africa and Australia.

Loans. --- Moneylenders --- Payday loans --- Finance. --- Bank marketing. --- Microeconomics. --- Economic history. --- Financial Services. --- Personal Finance/Wealth Management/Pension Planning. --- Economy-wide Country Studies. --- Economic conditions --- History, Economic --- Economics --- Price theory --- Banks and banking --- Marketing of bank services --- Marketing of banking services --- Marketing --- Funding --- Funds --- Currency question --- Lenders, Money --- Money lenders --- Capitalists and financiers --- Borrowing --- Lending --- Loans for consumption --- Finance --- Credit --- Investments --- Pay check advances --- Pay day advances --- Pay day loans --- Paycheck advances --- Payday advances --- Loans, Personal --- Personal finance. --- Finance, Personal --- Financial management, Personal --- Financial planning, Personal --- Personal finance --- Personal financial management --- Personal financial planning --- Financial literacy --- Planning --- Pension plans.