PPT-Consumer Credit:

Too Much or Too Little or Just Right Jonathan Zinman Dartmouth IPA NBER etc October 2013 Motivation Many policy efforts to increase consumer credit supply Loan guarantees eg FHA. Key issues in complaints handling . What will be covered?. The webinar will focus on the following issues: . Overview & introduction. Types . of personal information that can be held in the consumer credit reporting system . Beginnings of Consumer Credit. 1890s: Express Travelers Checks introduced. 1914: Retailer-issued credit cards. 1920s. Service . stations, department stores and hotel chains began offering . credit accounts to customers. Karin Sein, dr iur. Associate Professor of Civil Law, University of Tartu. Introduction. SMS/electronic consumer loans – modern form of usury?. Leads to irresponsible borrowing practices and over-indebtedness of the consumers. 7. July 2015. 2. Disclaimer for presentation. . T. his presentation is intended to provide a general overview for information and educational purposes only and is. . not a comprehensive treatment of the subject matter.  The information is provided generally without considering specific circumstances and should not be regarded as a substitute for professional advice.  The Investor Education Centre (“IEC”) has not advised on, passed on the merit of, endorsed or recommended any of the products/services or types of products/services referred to in this presentation.  Readers/Audiences should seek professional advice if they consider necessary.. CWAG. . Annual Meeting. July 21, 2015. Washington, DC . ۰. New York . ۰. Philadelphia . ۰. Chicago . ۰. Denver . ۰. Florida . www.cohenmilstein.com. Credit Reports Matter. Access to/cost of credit. Outstanding money owed by consumers. Examples. Credit Card Debt. Student Loans. Mortgages. Why Is This Important?. Americans Love Debt. At the end of 2010, Americans had $1,117,000,000 in CREDIT CARD DEBT. Debt Management Advisory Services - What the Council . can . do . Based on the guidelines given in the Consumer Credit Act 1999, the Council offers Debt Management Advisory Services.. Under this programme, the Council can assist you with:. © . 2013 . Cengage Learning. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part, except for use as permitted in a license distributed with a certain product or service or otherwise on a password-protected website for classroom use.. OBJECTIVES. Explain how you can develop a credit . history. Examine factors . to . consider when . deciding which credit card to . secure. Define . three . factors that creditors consider when . granting credit. Fraud Quiz. Identity Fraud Quiz. How to defend yourself against Fraud. Questions to Consider. What are consumers rights and responsibilities?. What is the purpose of consumer protection laws and agencies?. Key Dimensions and Processes in theUS Credit Reporting temA review of how the nation146slargest credit bureaus manage consumer data DECEMBER 2012 x000 December 2014x0000x0000 x/Attxachexd /xBottxom x/BBoxx 6x665x34 5x090x7 29x604x 61x /Sxubtyxpe /xFootxer /xTypex /Paxginaxtionx 000x/Attxachexd /xBottxom x/BBoxx 6x665x34 5x090x7 29x604x 61x /Sxubtyxp Consumer complaints throughout the credit life cycle by demographic characteristicsConsumer Complaint Research Brief1CONSUMER FINANCIAL PROTECTION BUREAUTable of ContentsTable of Contents11Introductio March 2016 1 CONSUMER FINANCIAL PROTECTION BUREAU Director of the CFPB The Consumer Financial Protection Bureau CFPB or the Bureau began consumer response operations on July 21 2011 as the nations fir