Why the poor pay more : how to stop predatory lending

著者

書誌事項

Why the poor pay more : how to stop predatory lending

edited by Gregory D. Squires ; foreword by Clarence Page

Praeger, 2004

大学図書館所蔵 件 / 全4件

この図書・雑誌をさがす

注記

Includes bibliographical references and index

収録内容

  • The new redlining / Gregory D. Squires
  • The targets of predatory and discriminatory lending : who are they and where do they live? / John Taylor, Josh Silver, and David Berenbaum
  • The economic consequences of predatory lending : a Philadelphia case study / Ira Goldstein
  • Predatory lending practices : definition and behavioral implications / Patricia A. McCoy
  • Legal and economic inducements to predatory practices / Keith Ernst, Deborah N. Goldstein, and Christopher A. Richardson
  • Community organizing and advocacy : fighting predatory lending and making a difference / Maude Hurd and Lisa Donner, with Camellia Philips
  • Designing federal legislation that works : legal remedies for predatory lending / John P. Relman, Fred Rivera, Meera Trehan, and Shilpa S. Satoskar
  • Predatory lending goes global : consumer protection in a deregulation network economy / Matthew Lee

内容説明・目次

内容説明

The proverbial American dream of owning a home has become an all-too-real nightmare for a growing number of families. The most vulnerable segments of our society—including minorities, the elderly, and working families—are being victimized by financiers who lure them into commitments they cannot fulfill. Collectively known as predatory lending, these practices include offering higher interest rates than can be justified by the risk, high pre-payment penalties that lock families into exploitative loans, and monstrous balloon payments that often result in default and the loss of the home. The net result can be disastrous: damage to one's credit rating, bankruptcy, and even the loss of lifelong savings. Why the Poor Pay More is an incisive exposure of these practices: how they have evolved, why they have become so prevalent in recent years, and how their negative effects can be quantified. It features in-depth analysis from prominent scholars, legal experts, and community leaders, who shed new light on the social, political, and economic consequences of predatory lending. Why the Poor Pay More is much more than an indictment of these insidious discriminatory practices. It is a call to arms for anyone concerned about how the financial-political system can be corrupted to serve the needs of the wealthy. Highlighting community initiatives already underway to combat predatory lending and an extensive listing of practical resources, Why the Poor Pay More outlines active roles that individuals, advocacy groups, financial and legal service providers, and policymakers can play in reversing this destructive trend.

目次

Foreword: Loan Sharks in Pinstripes by Clarence Page The New Redlining by Gregory D. Squires The Targets of Predatory Lending: Who Are They and Where Do They Live? by John Taylor, Josh Silver, and David Berenbaum The Economic Consequences of Predatory Lending: A Philadelphia Case Study by Ira Goldstein Predatory Lending Practices: Definition and Behavioral Implications by Patricia A. McCoy Legal and Economic Inducements to Predatory Practices by Christopher A. Richardson, Deborah N. Goldstein, and Keith Ernst Community Organization and Advocacy: Fighting Predatory Lending and Making a Difference by Maude Hurd and Lisa Donner, with Camellia Phillips Designing Federal Legislation That Works: Legal Remedies for Predatory Lending by John Relman, Fred Rivera, Meera Trehan, and Shilpa Satoskar Predatory Lending Goes Global: Consumer Protection in a Deregulation Network Economy by Matthew Lee Predatoriness, and What We Can Do about It by Chester Hartman Appendix: Predatory Lending Resources Notes Index About the Editor and Contributors

「Nielsen BookData」 より

詳細情報

ページトップへ