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, 2004U.S. Government Printing Office, 2004 - 116 páginas |
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additional allow Americans amount apply average balance banks basic believe benefits bill billion borrow bounce loans cash Chairman BACHUS charge collection committee competition Congress consumer protections consumer's costs credit card debt Credit Reporting customers debit disclosures economy efforts example fact Fair families federal funds rate Federal Reserve Federal Reserve Board fees financial institutions financial literacy financial services funds going growth hearing households important income increase industry interest interest rates issuers issues late laws lenders lending less Lively look marketplace McENENEY means offer opportunity overdraft payday loan payment percent practices programs question reason regulation reporting requirements responsible result rules Sanders statement stored value cards Subcommittee survey Thank things transactions understand York
Passagens conhecidas
Página 7 - 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 105 - 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 83 - ... 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 74 - ... appropriate claims and defenses their clients might have. As a result of our daily contact with these practicing attorneys we have seen examples of predatory lending to low-income people in almost every State in the union. It is from this vantage point — many years of dealing with the abusive transactions thrust upon the less sophisticated and less powerful in our communities — that we supply this testimony today.
Página 74 - 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.
Página 111 - 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 3 - 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 74 - 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.
Informação bibliográfica
| Título | 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 |
| Autor | United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit |
| Editora | U.S. Government Printing Office, 2004 |
| ISBN | 0160741696, 9780160741692 |
| Número de páginas | 116 páginas |
| Exportar citação | BiBTeX EndNote RefMan |