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Author: Navin Vett
Publisher: Independently Published
ISBN:
Category : Business & Economics
Languages : en
Pages : 0
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Book Description
New York's historic Credit Card Surcharge Law has upended the financial landscape, leaving both corporations and consumers perplexed. Is it a revolutionary win for justice or a perplexing legal quagmire? This funny and instructive book cuts through the legalese and gets to the heart of the problem. Inside, you can find: For the wise shopper: Decode the jargon. Forget interchange fees and network assessments; instead, comprehend the legislation in plain English. Spot the surcharge sharks: Learn how to spot businesses that break the regulations. Cash or credit? Make informed decisions, avoid hidden fees, and optimize your savings. For company owners: Compliance made easy: Understand your alternatives and avoid expensive penalties. Navigate the gray area: Get simple answers to questions about gift cards, online transactions, and more. Keep your customers satisfied: Learn how to discuss surcharges successfully while maintaining loyalty. Future-proof your business. Stay on top of legal problems and developing interpretations. Get your copy now and say goodbye to credit card confusion, New York style! Remember, information is power, and in this financial jungle, you'll need a machete. Disclaimer: This book is intended for informational purposes only and does not provide legal advice. If you have any specific questions, consult a professional.
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage
Publisher:
ISBN:
Category : Consumer credit
Languages : en
Pages : 282
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Book Description
Author: Navin Vett
Publisher: Independently Published
ISBN:
Category : Business & Economics
Languages : en
Pages : 0
Get Book Here
Book Description
New York's historic Credit Card Surcharge Law has upended the financial landscape, leaving both corporations and consumers perplexed. Is it a revolutionary win for justice or a perplexing legal quagmire? This funny and instructive book cuts through the legalese and gets to the heart of the problem. Inside, you can find: For the wise shopper: Decode the jargon. Forget interchange fees and network assessments; instead, comprehend the legislation in plain English. Spot the surcharge sharks: Learn how to spot businesses that break the regulations. Cash or credit? Make informed decisions, avoid hidden fees, and optimize your savings. For company owners: Compliance made easy: Understand your alternatives and avoid expensive penalties. Navigate the gray area: Get simple answers to questions about gift cards, online transactions, and more. Keep your customers satisfied: Learn how to discuss surcharges successfully while maintaining loyalty. Future-proof your business. Stay on top of legal problems and developing interpretations. Get your copy now and say goodbye to credit card confusion, New York style! Remember, information is power, and in this financial jungle, you'll need a machete. Disclaimer: This book is intended for informational purposes only and does not provide legal advice. If you have any specific questions, consult a professional.
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage
Publisher:
ISBN:
Category : Cash discounts
Languages : en
Pages : 272
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Book Description
Author: Michelle Kirby
Publisher:
ISBN:
Category : Credit card fees
Languages : en
Pages :
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Book Description
Discusses the impact of the recent class-action settlement with Visa and MasterCard on credit card purchases in Connecticut.
Author: Alicia Puente Cackley
Publisher: DIANE Publishing
ISBN: 143792574X
Category : Business & Economics
Languages : en
Pages : 69
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Book Description
When a consumer uses a credit card to make a purchase, the merchant does not receive the full purchase amount because a certain portion of the sale is deducted to compensate the merchant¿s bank, the bank that issued the card, and the card network that processes the transaction. The level and growth of these rates have become increasingly controversial. This report reviews: (1) how the fees merchants pay have changed over time and the factors affecting the competitiveness of the credit card market; (2) how credit card competition has affected consumers; (3) the benefits and costs to merchants of accepting cards and their ability to negotiate those costs; and (4) the potential impact of various options intended to lower merchant costs. Illustrations.
Author: Texas
Publisher:
ISBN:
Category : Commercial law
Languages : en
Pages : 0
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Book Description
Author: Helga Niesz
Publisher:
ISBN:
Category : Banking law
Languages : en
Pages : 1
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Book Description
Discusses what state or federal agency has the authority to regulate the practice of banks which issue credit cards charging retailers a surcharge when the purchaser's credit card has lost its magnetic stripe so it cannot be swiped and the number must be entered manually.
Author: United States. Congress. House. Committee on Financial Services
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 288
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Book Description
Author: Scott Schuh
Publisher: DIANE Publishing
ISBN: 1437937012
Category : Business & Economics
Languages : en
Pages : 57
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Book Description
Merchant fees and reward programs generate an implicit monetary transfer to credit card users from non-card (or ¿cash¿) users because merchants generally do not set differential prices for card users to recoup the costs of fees and rewards. On average, each cash-using household pays $151 to card-using households and each card-using household receives $1,482 from cash users every year. The payment instrument transfer also induces a regressive transfer from low-income to high-income households in general. The authors build and calibrate a model of consumer payment choice to compute the effects of merchant fees and card rewards on consumer welfare. Reducing merchant fees and card rewards would likely increase consumer welfare.
Author:
Publisher:
ISBN:
Category : Finance
Languages : en
Pages :
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Book Description
