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Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on National Security and International Trade and Finance
Publisher:
ISBN:
Category : Computer crimes
Languages : en
Pages : 100
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Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on National Security and International Trade and Finance
Publisher:
ISBN:
Category : Computer crimes
Languages : en
Pages : 100
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Author: Richard Cordray
Publisher: Oxford University Press
ISBN: 0197503012
Category : Political Science
Languages : en
Pages : 305
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Book Description
Every day across America, consumers face issues with credit cards, mortgages, car loans, and student loans. When they are cheated or mistreated, all too often they hit a brick wall against the financial companies. People are fed up with being run over by big corporations, and few have the resources or expertise to fight back on their own. It is no wonder consumers feel powerless: they are outgunned every step of the way. Since 1970, the financial industry has doubled in size. It is the biggest source of campaign contributions to federal candidates and parties, spending about $1 billion annually on campaigns and another $500 million on lobbying. The four biggest banks each now has more than $1 trillion in assets. Financial products have become a mass of fine print that consumers can hardly even read, let alone understand. Growing problems in the increasingly one-sided finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Sharing the stories of individual consumers, Watchdog shows how the Bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how our system can be reformed by putting government back on the side of the people, to strengthen our families, safeguard the marketplace, and establish a new baseline of fairness in our democratic society.
Author: Mallory E. SoRelle
Publisher: University of Chicago Press
ISBN: 022671182X
Category : Political Science
Languages : en
Pages : 302
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Book Description
As Elizabeth Warren memorably wrote, “It is impossible to buy a toaster that has a one-in-five chance of bursting into flames and burning down your house. But it is possible to refinance an existing home with a mortgage that has the same one-in-five chance of putting the family out on the street.” More than a century after the government embraced credit to fuel the American economy, consumer financial protections in the increasingly complex financial system still place the onus on individuals to sift through fine print for assurance that they are not vulnerable to predatory lending and other pitfalls of consumer financing and growing debt. In Democracy Declined, Mallory E. SoRelle argues that the failure of federal policy makers to curb risky practices can be explained by the evolution of consumer finance policies aimed at encouraging easy credit in part by foregoing more stringent regulation. Furthermore, SoRelle explains how angry borrowers’ experiences with these policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals—they threaten the stability of entire economies. SoRelle identifies pathways to mitigate these potentially disastrous consequences through greater public participation.
Author: United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Trade, and Consumer Protection
Publisher:
ISBN:
Category : Computers
Languages : en
Pages : 128
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Book Description
Author: Mr.Tobias Adrian
Publisher: International Monetary Fund
ISBN: 1498324908
Category : Business & Economics
Languages : en
Pages : 20
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Book Description
This paper marks the launch of a new IMF series, Fintech Notes. Building on years of IMF staff work, it will explore pressing topics in the digital economy and be issued periodically. The series will carry work by IMF staff and will seek to provide insight into the intersection of technology and the global economy. The Rise of Digital Money analyses how technology companies are stepping up competition to large banks and credit card companies. Digital forms of money are increasingly in the wallets of consumers as well as in the minds of policymakers. Cash and bank deposits are battling with so-called e-money, electronically stored monetary value denominated in, and pegged to, a currency like the euro or the dollar. This paper identifies the benefits and risks and highlights regulatory issues that are likely to emerge with a broader adoption of stablecoins. The paper also highlights the risks associated with e-money: potential creation of new monopolies; threats to weaker currencies; concerns about consumer protection and financial stability; and the risk of fostering illegal activities, among others.
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Finance and Tax
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 100
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Book Description
Author: Alexandra Black
Publisher: Penguin
ISBN: 1465442510
Category : Business & Economics
Languages : en
Pages : 354
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Book Description
A unique step-by-step visual guide How Business Works defines and explains the key concepts behind business, finance, and company management. With the right knowledge, business doesn't have to be difficult. Do you know the difference between profit margin, gross profit, and net profit? What is cash flow or a limited company? Using clear language and eye-catching graphics, DK's How Business Works answers hundreds of questions and is an invaluable reference for anyone wanting to learn about business.
Author: Mike Chapple
Publisher: John Wiley & Sons
ISBN: 1119909392
Category : Computers
Languages : en
Pages : 480
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Book Description
The only official study guide for the new CCSP exam objectives effective from 2022-2025 (ISC)2 CCSP Certified Cloud Security Professional Official Study Guide, 3rd Edition is your ultimate resource for the CCSP exam. As the only official study guide reviewed and endorsed by (ISC)2, this guide helps you prepare faster and smarter with the Sybex study tools that include pre-test assessments that show you what you know, and areas you need further review. In this completely rewritten 3rd Edition, experienced cloud security professionals Mike Chapple and David Seidl use their extensive training and hands on skills to help you prepare for the CCSP exam. Objective maps, exercises, and chapter review questions help you gauge your progress along the way, and the Sybex interactive online learning environment includes access to a PDF glossary, hundreds of flashcards, and two complete practice exams. Covering all CCSP domains, this book walks you through Cloud Concepts, Architecture and Design, Cloud Data Security, Cloud Platform and Infrastructure Security, Cloud Application Security, Cloud Security Operations, and Legal, Risk, and Compliance with real-world scenarios to help you apply your skills along the way. The CCSP credential from (ISC)2 and the Cloud Security Alliance is designed to show employers that you have what it takes to keep their organization safe in the cloud. Learn the skills you need to be confident on exam day and beyond. Review 100% of all CCSP exam objectives Practice applying essential concepts and skills Access the industry-leading online study tool set Test your knowledge with bonus practice exams and more As organizations become increasingly reliant on cloud-based IT, the threat to data security looms larger. Employers are seeking qualified professionals with a proven cloud security skillset, and the CCSP credential brings your resume to the top of the pile. (ISC)2 CCSP Certified Cloud Security Professional Official Study Guide gives you the tools and information you need to earn that certification and apply your skills in a real-world setting.
Author: Zhiyi Liu
Publisher: Springer Nature
ISBN: 9819973058
Category :
Languages : en
Pages : 182
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Book Description
Author: United States. Congress. Senate. Committee on Commerce, Science, and Transportation. Subcommittee on Consumer Affairs, Product Safety, and Insurance
Publisher:
ISBN:
Category : Law
Languages : en
Pages : 76
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Book Description
