Truth in Lending

Theory, History, and a Way Forward

Autor: Thomas A. Durkin, Gregory Elliehausen

Limbă:

Legare: Copertă tare

Editura: Oxford University Press Inc

Disponibilitate: În depozitul extern

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

Informații despre carte

Autor

Thomas A. Durkin, Gregory Elliehausen

Limbă

engleză

Legare

Carte - Copertă tare

Publicat

2011

Pagini

384

EAN

9780195172959

ISBN

0195172957

Enbook ID

04516315

Editura

Oxford University Press Inc

Greutate

700

Dimensiuni

166 x 243 x 24

Descriere completă

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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