Financial services issues: a consumer's perspective : hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Eighth Congress, second session, September 15, 2004

U.S. Government Printing Office, 2004 - 116 páginas
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Página 78 - Consumers Union is a nonprofit membership organization chartered in 1936 under the laws of the State of New York to provide consumers with information, education and counsel about goods, services, health, and personal finance; and to initiate and cooperate with individual and group efforts to maintain and enhance the quality of life for consumers. Consumers Union's income is solely derived from the sale of Consumer Reports, its other publications and from noncommercial contributions, grants and fees....
Página 9 - I know no safe depository of the ultimate powers of the society but the people themselves. And if we think them not enlightened enough to exercise their control with a wholesome discretion, the remedy is not to take it from them but to inform their discretion by education.
Página 107 - Member institutions are the leaders in consumer financial services, including auto finance, home equity lending, card products, education loans, small business services, community development, investments, deposits and delivery. CBA was founded in 1919 and provides leadership, education, research and federal representation on retail banking issues such as privacy, fair lending, and consumer protection legislation/regulation.
Página 87 - ... applicants for credit, whether or not credit is actually extended. 2. Charges for actual unanticipated late payment, for exceeding a credit limit, or for delinquency, default, or a similar occurrence. 3. Charges imposed by a financial institution for paying items that overdraw an account, unless the payment of such items and the imposition of the charge were previously agreed upon in writing.
Página 1 - US HOUSE OF REPRESENTATIVES, SUBCOMMITTEE ON FINANCIAL INSTITUTIONS AND CONSUMER CREDIT, COMMITTEE ON FINANCIAL SERVICES, Washington, DC The subcommittee met, pursuant to call, at 10:03 am, in Room 2128, Rayburn House Office Building, Hon.
Página 78 - The National Consumer Law Center is a nonprofit organization specializing in consumer issues on behalf of low-income people. We work with thousands of legal services, government and private attorneys, as well as community groups and organizations, from all states who represent low-income and elderly individuals on consumer issues. As a result of our daily contact with these advocates, we have seen examples of predator)' practices against low-income people in almost every state in the union.
Página 113 - Institute (FMI) is a nonprofit association conducting programs in research, education, industry relations and public affairs on behalf of its 1,500 members including their subsidiaries— food retailers and wholesalers and their customers in the United States and around the world.
Página 5 - Sanders, for any opening statement that he may have. [The prepared statement of Hon. Spencer Bachus can be found on page 70 in the appendix.] Mr.
Página 2 - I yield back the balance of my time. [The prepared statement of Hon. Michael N. Castle can be found on page 53 in the appendix.] Chairman BACKUS.
Página 78 - The CONSUMER FEDERATION OF AMERICA is a nonprofit association of over 280 pro-consumer groups, with a combined membership of 50 million people. CFA was founded in 1968 to advance consumers' interests through advocacy and education.

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