A Check on Pawnbrokers, containing a new abstract of the laws for regulating the business of Pawnbrokers, etc

A Check on Pawnbrokers, containing a new abstract of the laws for regulating the business of Pawnbrokers, etc PDF Author:
Publisher:
ISBN:
Category :
Languages : en
Pages : 36

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British Museum Catalogue of printed Books

British Museum Catalogue of printed Books PDF Author:
Publisher:
ISBN:
Category :
Languages : en
Pages : 576

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General catalogue of printed books

General catalogue of printed books PDF Author: British museum. Dept. of printed books
Publisher:
ISBN:
Category :
Languages : en
Pages : 464

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General Catalogue of Printed Books

General Catalogue of Printed Books PDF Author: British Museum. Department of Printed Books
Publisher:
ISBN:
Category : English imprints
Languages : en
Pages : 464

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Catalogue of the Printed Books in the Library of the British Museum

Catalogue of the Printed Books in the Library of the British Museum PDF Author: British Library
Publisher:
ISBN:
Category :
Languages : en
Pages : 1182

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Making Ends Meet

Making Ends Meet PDF Author: Melanie Tebbutt
Publisher: Burns & Oates
ISBN:
Category : Business & Economics
Languages : en
Pages : 272

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The British Museum Catalogue of Printed Books, 1881-1900: P to Periodical

The British Museum Catalogue of Printed Books, 1881-1900: P to Periodical PDF Author: British Museum. Department of Printed Books
Publisher:
ISBN:
Category : English literature
Languages : en
Pages : 1180

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General Catalogue of Printed Books to 1955

General Catalogue of Printed Books to 1955 PDF Author: British Museum. Dept. of Printed Books
Publisher:
ISBN:
Category : English imprints
Languages : en
Pages : 1230

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Fringe Banking

Fringe Banking PDF Author: John P. Caskey
Publisher: Russell Sage Foundation
ISBN: 1610441133
Category : Business & Economics
Languages : en
Pages : 180

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"Cogently argued, fills an important gap in the literature, and is accessible to undergraduates." —Choice "Dismantles the mythology surrounding pawnshops and check-cashing outlets, and demonstrates that they are no longer on the fringe of our financial system but integral to it."—San Francisco Bay Guardian In today's world of electronic cash transfers, automated teller machines, and credit cards, the image of the musty, junk-laden pawnshop seems a relic of the past. But it is not. The 1980s witnessed a tremendous boom in pawnbroking. There are now more pawnshops thanever before in U.S. history, and they are found not only in large cities but in towns and suburbs throughout the nation. As John Caskey demonstrates in Fringe Banking, the increased public patronage of both pawnshops and commercial check-cashing outlets signals the growing number of American households now living on a cash-only basis, with no connection to any mainstream credit facilities or banking services. Fringe Banking is the first comprehensive study of pawnshops and check-cashing outlets, profiling their operations, customers, and recent growth from family-owned shops to such successful outlet chains as Cash American and ACE America's Cash Express. It explains why, despite interest rates and fees substantially higher than those of banks, their use has so dramatically increased. According to Caskey, declining family earnings, changing family structures, a growing immigrant population, and lack of household budgeting skills has greatly reduced the demand for bank deposit services among millions of Americans. In addition, banks responded to 1980s regulatory changes by increasing fees on deposit accounts with small balances and closing branches in many poor urban areas. These factors combined to leave many low- and moderate-income families without access to checking privileges, credit services, and bank loans. Pawnshops and check-cashing outlets provide such families with essential financial services thay cannot obtain elsewhere. Caskey notes that fringe banks, particularly check-cashing outlets, are also utilized by families who could participate in the formal banking system, but are willing to pay more for convenience and quick access to cash. Caskey argues that, contrary to their historical reputation as predators milking the poor and desperate, pawnshops and check-cashing outlets play a key financial role for disadvantaged groups. Citing the inconsistent and often unenforced state laws currently governing the industry, Fringe Banking challenges policy makers to design regulations that will allow fringe banks to remain profitable without exploiting the customers who depend on them.

The Unbanking of America

The Unbanking of America PDF Author: Lisa Servon
Publisher: Houghton Mifflin Harcourt
ISBN: 0544611187
Category : Social Science
Languages : en
Pages : 264

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Why Americans are fleeing our broken banking system: “Startling and absorbing…Required reading for fans of muckraking authors like Barbara Ehrenreich.”—Publishers Weekly (starred review) What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twentysomething graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their lower- and middle-income customers while serving only the wealthiest Americans. Lisa Servon delivers a stunning indictment of America’s banks, together with eye-opening dispatches from inside a range of banking alternatives that have sprung up to fill the void. She works as a teller at RiteCheck, a check-cashing business in the South Bronx, and as a payday lender in Oakland. She looks closely at the workings of a tanda, an informal lending club. And she delivers engaging, hopeful portraits of the entrepreneurs reacting to the unbanking of America by designing systems to creatively serve those outside the one percent. “Valuable evidence on the fragility of the personal economies of most Americans these days.”—Kirkus Reviews “An intelligent plea for financial justice…[An] excellent book.”—The Christian Science Monitor