Real estate brokerage factors that may affect price competition : report to the Committee on Financial Services, House of Representatives. PDF Download
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Author:
Publisher: DIANE Publishing
ISBN: 1428933999
Category :
Languages : en
Pages : 32
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Book Description
Author:
Publisher: DIANE Publishing
ISBN: 1428933999
Category :
Languages : en
Pages : 32
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Book Description
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 248
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Book Description
Author: Oren Bar-Gill
Publisher: OUP Oxford
ISBN: 0191640387
Category : Law
Languages : en
Pages : 296
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Book Description
Consumers routinely enter into long-term contracts with providers of goods and services - from credit cards, mortgages, cell phones, insurance, TV, and internet services to household appliances, theatre and sports events, health clubs, magazine subscriptions, transportation, and more. Across these consumer markets certain design features of contracts are recurrent, and puzzling. Why do sellers design contracts to provide short-term benefits and impose long-term costs? Why are low introductory prices so common? Why are the contracts themselves so complex, with numerous fees and interest rates, tariffs and penalties? Seduction by Contract explains how consumer contracts emerge from the interaction between market forces and consumer psychology. Consumers are short-sighted and optimistic, so sellers compete to offer short-term benefits, while imposing long-term costs. Consumers are imperfectly rational, so sellers hide the true costs of products and services in complex contracts. Consumers are seduced by contracts that increase perceived benefits, without actually providing more benefits, and decrease perceived costs, without actually reducing the costs that consumers ultimately bear. Competition does not help this behavioural market failure. It may even exacerbate it. Sellers, operating in a competitive market, have no choice but to align contract design with the psychology of consumers. A high-road seller who offers what she knows to be the best contract will lose business to the low-road seller who offers what the consumer mistakenly believes to be the best contract. Put bluntly, competition forces sellers to exploit the biases and misperceptions of their customers. Seduction by Contract argues that better legal policy can help consumers and enhance market efficiency. Disclosure mandates provide a promising avenue for regulatory intervention. Simple, aggregate disclosures can help consumers make better choices. Comprehensive disclosures can facilitate the work of intermediaries, enabling them to better advise consumers. Effective disclosure would expose the seductive nature of consumer contracts and, as a result, reduce sellers' incentives to write inefficient contracts. Developing its explanation through a general framework and detailed case studies of three major consumer markets (credit cards, mortgages, and cell phones), Seduction by Contract is an accessible introduction to the law and economics of consumer contracts, and a powerful critique of current regulatory policy.
Author:
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 1430
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Book Description
Author: GREENE
Publisher: Wolters Kluwer
ISBN: 1454851252
Category : Law
Languages : en
Pages : 2854
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Book Description
Dramatic changes in U.S. law have increased the need to understand the complex regulation of todayand’s global capital and derivatives markets. U.S. Regulation of the International Securities and Derivatives Markets is the first truly comprehensive guide in this dynamic regulatory arena. This completely updated Eleventh Edition was authored by a team of attorneys at Cleary Gottlieb Steen and& Hamilton LLP, one of the foremost law firms in international finance. U.S. Regulation of the International Securities and Derivatives Markets provides thoroughly up-to-date coverage of the SEC Securities Offering Reform rules, the impact of the Dodd-Frank Act and the Sarbanes-Oxley Act on public companies in the United States, and much more. Advising clients on cross-border securities transactions means dealing with a tangle of complex rules and requirements. This comprehensive reference explains in detail virtually everything your clients might want to know, including: The U.S. securities and commodities laws pertaining to foreign participants and financial products entering U.S. capital markets, and U.S. securities in international markets, including a comprehensive discussion of the requirements imposed by the Sarbanes-Oxley Act and the regulatory framework established by the Dodd-Frank Act. The rules and regulations affecting each participant, including foreign banks, broker-dealers, investment companies and advisers, futures commission merchants, commodity pool operators, commodity trading advisors, and others The rules and requirements behind different cross-border transactions, including private placements and Rule 144A, ADR programs, the U.S./Canadian MJDS, global offerings, and more The principal European Union measures governing securities offerings and ongoing reporting in the European Union Many additional regulatory issues, including enforcement and remedies, recent case interpretations, FINRA and other SRO rules, and much more U.S. Regulation of the International Securities and Derivatives Markets, Eleventh Edition is by far the most comprehensive reference of its kind. This is the only desk reference covering all U.S. laws and regulations affecting international securities offerings and foreign participants in U.S. capital markets. It explains dozens of topics that simply cannot be found in any other published sourceand—saving you valuable research time, youand’ll have all the detailed information you need to guide clients through this dramatic new financial era.
Author: Stefan Swanepoel
Publisher: RealSure, Inc.
ISBN: 9780970452382
Category : Business & Economics
Languages : en
Pages : 174
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Book Description
Author: Kathy Gottberg
Publisher: Zyrus Press
ISBN: 9781933990163
Category : Business & Economics
Languages : en
Pages : 276
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Book Description
Is it possible to sell your home yourself and save a large amount of money? Absolutely! Is it easy and simple? Not always. Fortunately, with the comprehensive information, including all the forms, explanations, disclosures in The Complete Guide to Selling Your Own Home in California, you now have everything you need to successfully accomplish the goal of selling your home yourself.Accompanying this book is a CD containing all the necessary legal forms and worksheets required in an editable and printable format to sell residential property in the state of California.This book is organized into three parts. Part One addresses the choices you face and reveal some of the mysteries of the For Sale By Owner (FSBO) experience. Part Two is filled with the elements every seller needs to know before, during and after the successful completion of a sale. Part Three is for trouble-shooting or to use as a reference when a task is at hand or if you find yourself facing a roadblock. This final part also includes some simple marketing techniques that all sellers should at least be aware of before beginning the sales process.In addition, the accompanying CD contains all the legal forms a homeseller needs for any phase of a transaction. Until now, finding forms to legally transfer real estate in California has been one of the greatest challenges facing those in the FSBO market. Feel free at any time to jump around in the book or to browse the CD to find anything that directly tackles your current concerns or questions.
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 514
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Book Description
Author:
Publisher:
ISBN:
Category : Real estate agents
Languages : en
Pages : 832
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Book Description
Author: Texas
Publisher:
ISBN:
Category : Law
Languages : en
Pages :
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Book Description
