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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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"This edited collection brings together essays that explore personal debts to government. Intensive collection efforts by governments in need of revenue often cause hardship, whether it is the poor in the US going to jail because of unpaid fines, low-income English people being evicted because they paid their council taxes but could then not pay their rent, or poor former students having tax refunds or social benefits taken by the government when they have defaulted on their student loans. Student loans, fines and fee arising from the justice system, benefit overpayments and unpaid taxes have all ballooned in the past decade, but no other volume comprehensively addresses the various ways in which governments have become privileged creditors, using their power to collect debts owed to them by their citizens. With each essay emphasizing a particular kind of debt to government, the book focuses on what happens when citizens cannot pay the debts they owe to their governments. Contributors offer pragmatic options to facilitate a movement to soften the stance of governments toward those who owe them money. The insights in this collection will be of relevance to students and academics in criminology, sociology, public policy, and economics, as well as policymakers and government officials interested in effecting change in this area"--

Social problems --- Public finance --- Criminology. Victimology --- Loans, Personal. --- Debt. --- Debt, Imprisonment for. --- Debt, Imprisonment for --- Imprisonment for debt --- Imprisonment --- Indebtedness --- Finance --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Consumer credit --- Loans --- Law and legislation

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Law of obligations. Law of contract --- Savings --- Netherlands --- 347.455 <492> --- Credit --- -Loans, Personal --- -NL / Netherlands - Nederland - Pays Bas --- 347.755 --- V81 - Contrats spéciaux - Bijzondere overeenkomsten --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Consumer credit --- Loans --- Borrowing --- Finance --- Money --- Leningen. Interest. Krediet--(verbintenissenrecht)--Nederland --- Law and legislation --- -Law and legislation --- -Leningcontract. Commerciële lening. Rente. Bankdeposito's. --- Loans, Personal --- 347.455 <492> Leningen. Interest. Krediet--(verbintenissenrecht)--Nederland --- NL / Netherlands - Nederland - Pays Bas --- Leningcontract. Commerciële lening. Rente. Bankdeposito's

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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.

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Global financial markets have transformed over the past three decades – with potentially dangerous results. Growing competitiveness in financial markets has forced banks to adapt – by merging, growing, and innovating. The result has been an unprecedented transformation in the identity of society's borrowers: households and banks are borrowing more, businesses are borrowing relatively less. This "Great Debt Transformation" has profound consequences: as we shift toward economic growth fueled by consumption and financial investment, instability, indebtedness, and inequality have all risen. This book explains this transformation, why it matters, what caused it, and – most importantly – examines how some countries have restrained the transformation underway. Britain, France, and Germany have taken very different approaches to this transformation – and those approaches have resulted in divergent results. This book aims to turn those different results into lessons to help us make sense of the great economic challenges of our time.

Debt --- Financial institutions --- Consumer credit --- Loans, Personal --- Commercial loans --- Financialization. --- Credit, Debt & Loans --- Finance --- Business & Economics --- Debt. --- Financial institutions. --- Consumer credit. --- Loans, Personal. --- Commercial loans. --- Commercial lending --- Loans, Commercial --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Consumer debt --- Financial intermediaries --- Lending institutions --- Indebtedness --- Loans --- Credit --- Associations, institutions, etc. --- Comparative politics. --- International economics. --- Macroeconomics. --- Political economy. --- International relations. --- Investment banking. --- Securities. --- Comparative Politics. --- International Economics. --- Macroeconomics/Monetary Economics//Financial Economics. --- International Political Economy. --- International Relations. --- Investments and Securities. --- Blue sky laws --- Capitalization (Finance) --- Investment securities --- Portfolio --- Scrip --- Securities --- Securities law --- Underwriting --- Investments --- Investment banking --- Banks and banking, Investment --- Investment banks --- Coexistence --- Foreign affairs --- Foreign policy --- Foreign relations --- Global governance --- Interdependence of nations --- International affairs --- Peaceful coexistence --- World order --- National security --- Sovereignty --- World politics --- Economic theory --- Political economy --- Social sciences --- Economic man --- Economics --- Economic policy, Foreign --- Economic relations, Foreign --- Economics, International --- Foreign economic policy --- Foreign economic relations --- International economic policy --- International economics --- New international economic order --- Economic policy --- International relations --- Economic sanctions --- Comparative political systems --- Comparative politics --- Government, Comparative --- Political systems, Comparative --- Political science --- Law and legislation