Jump to ContentJump to Main Navigation

You are looking at 1-20 of 29 items

  • Keywords: consumer financial protection x
Clear All Modify Search

View:

Race to the Bottom: Administrative Rulemaking in the Political Economy of Credit

Mallory E. SoRelle

in Democracy Declined: The Failed Politics of Consumer Financial Protection

Published in print:
2020
Published Online:
May 2021
ISBN:
9780226711652
eISBN:
9780226711829
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226711829.003.0006
Subject:
Political Science, American Politics

Chapter six, Race to the Bottom: Regulatory Feedback Effects and the Politics of Rulemaking, explores how the policy feedback dynamics introduced in previous chapters coalesce within the ... More


Democracy Declined: The Failed Politics of Consumer Financial Protection

Mallory E. SoRelle

in Democracy Declined: The Failed Politics of Consumer Financial Protection

Published in print:
2020
Published Online:
May 2021
ISBN:
9780226711652
eISBN:
9780226711829
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226711829.003.0001
Subject:
Political Science, American Politics

Chapter one, Democracy Declined: The Failed Politics of Consumer Financial Protection, introduces the puzzling politics of consumer financial protection in the United States. It describes the ... More


The “Horseless Headmen”: Consumer Groups and the Challenge of Political Mobilization

Mallory E. SoRelle

in Democracy Declined: The Failed Politics of Consumer Financial Protection

Published in print:
2020
Published Online:
May 2021
ISBN:
9780226711652
eISBN:
9780226711829
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226711829.003.0004
Subject:
Political Science, American Politics

Chapter four, “Horseless Headmen”: Consumer Groups and the Challenge of Mobilization, considers why public interest groups struggled—both historically and during the 2008 global financial crisis—to ... More


“Storming Mad” but Staying Home: Depoliticizing the American Borrower

Mallory E. SoRelle

in Democracy Declined: The Failed Politics of Consumer Financial Protection

Published in print:
2020
Published Online:
May 2021
ISBN:
9780226711652
eISBN:
9780226711829
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226711829.003.0003
Subject:
Political Science, American Politics

Chapter three, “Storming Mad” but Staying Home: Depoliticizing the American Borrower, asks why borrowers have largely avoided political avenues when addressing their growing dissatisfaction with ... More


Consumer Protection and Financial Contracts

Iris Benöhr

in EU Consumer Law and Human Rights

Published in print:
2013
Published Online:
April 2014
ISBN:
9780199651979
eISBN:
9780191747885
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199651979.003.0005
Subject:
Law, EU Law, Company and Commercial Law

This chapter analyses how fundamental rights, along with the application of a ‘capability approach’ to consumer law, may affect financial consumer contracts, focusing in particular on credit and ... More


A New Lease? The Uncertain Political Future of Consumer Financial Protection

Mallory E. SoRelle

in Democracy Declined: The Failed Politics of Consumer Financial Protection

Published in print:
2020
Published Online:
May 2021
ISBN:
9780226711652
eISBN:
9780226711829
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226711829.003.0007
Subject:
Political Science, American Politics

The conclusion, A New Lease: The CFPB and the Uncertain Future of Consumer Financial Protection Politics, considers how the U.S. political economy of credit shapes the broader politics of consumer ... More


Democratization and Its Discontents: Demobilizing Marginalized Borrowers

Mallory E. SoRelle

in Democracy Declined: The Failed Politics of Consumer Financial Protection

Published in print:
2020
Published Online:
May 2021
ISBN:
9780226711652
eISBN:
9780226711829
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226711829.003.0005
Subject:
Political Science, American Politics

Chapter five, Democratization and its Discontents: Demobilizing Marginalized Borrowers, investigates the political development of the so-called democratization of credit—which expanded access to ... More


Only Sharks in the Tank

Terri Friedline

in Banking on a Revolution: Why Financial Technology Won't Save a Broken System

Published in print:
2021
Published Online:
December 2020
ISBN:
9780190944131
eISBN:
9780190944148
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780190944131.003.0006
Subject:
Social Work, Communities and Organizations, Research and Evaluation

This chapter explores the coordinated relationship between banks and payday lenders by examining the recent attempts of the Consumer Financial Protection Bureau to regulate the payday lenders in ... More


Democracy Declined: The Failed Politics of Consumer Financial Protection

Mallory E. SoRelle

Published in print:
2020
Published Online:
May 2021
ISBN:
9780226711652
eISBN:
9780226711829
Item type:
book
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226711829.001.0001
Subject:
Political Science, American Politics

Borrowing has become the American way of life. We increasingly rely on consumer credit to purchase daily necessities and to weather unexpected emergencies. But borrowing to live is a double-edged ... More


Consumer Protection

Kathleen C. Engel and Patricia A. McCoy

in The Subprime Virus: Reckless Credit, Regulatory Failure, and Next Steps

Published in print:
2011
Published Online:
April 2015
ISBN:
9780195388824
eISBN:
9780190258535
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780195388824.003.0012
Subject:
Business and Management, Political Economy

The subprime crisis showed that federal banking regulators cannot be relied on to put consumer safety over the interests of regulated banks. This chapter evaluates whether the Dodd-Frank Act achieves ... More


Depth in Appointment

Stephen Skowronek, John A. Dearborn, and Desmond King

in Phantoms of a Beleaguered Republic: The Deep State and The Unitary Executive

Published in print:
2021
Published Online:
February 2021
ISBN:
9780197543085
eISBN:
9780197543115
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780197543085.003.0009
Subject:
Political Science, American Politics

This chapter examines depth in appointment, focusing on the tension between qualifications for administrative office and expectations for presidential control. What Trump’s administration has brought ... More


An Ominous Mismatch

Richard Cordray

in Watchdog: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy

Published in print:
2020
Published Online:
May 2020
ISBN:
9780197502990
eISBN:
9780197508251
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780197502990.003.0003
Subject:
Political Science, American Politics, Political Economy

Congress created the Consumer Financial Protection Bureau, sparking a bitter partisan battle. The bureau’s mission—to help individual consumers cope with their financial problems and to ward off ... More


A Great Big Country

Richard Cordray

in Watchdog: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy

Published in print:
2020
Published Online:
May 2020
ISBN:
9780197502990
eISBN:
9780197508251
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780197502990.003.0010
Subject:
Political Science, American Politics, Political Economy

Consumer problems are everywhere, but the issues differ dramatically across the United States: from lack of access to credit in the impoverished Mississippi Delta, to scammers in New York City, to ... More


Preparing for the Next Financial Crisis

Lawrence R. Jacobs and Desmond King

in Fed Power: How Finance Wins

Published in print:
2021
Published Online:
March 2021
ISBN:
9780197573129
eISBN:
9780197573167
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780197573129.003.0005
Subject:
Political Science, American Politics

Chapter 5 charts a new direction for reviving America’s central bank to become more effective, accountable, and attentive to mitigating economic and racial inequalities. The Bank of Canada’s track ... More


Watchdog: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy

Richard Cordray

Published in print:
2020
Published Online:
May 2020
ISBN:
9780197502990
eISBN:
9780197508251
Item type:
book
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780197502990.001.0001
Subject:
Political Science, American Politics, Political Economy

Growing problems in the increasingly one-sided consumer finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Using stories of ... More


Playing by the Rules

Richard Cordray

in Watchdog: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy

Published in print:
2020
Published Online:
May 2020
ISBN:
9780197502990
eISBN:
9780197508251
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780197502990.003.0007
Subject:
Political Science, American Politics, Political Economy

In the runup to the 2008 financial crisis, lenders were offering reckless “no doc” mortgages, consumers were making unsustainable choices, and the effects were devastating not only for those lenders ... More


Teaming Up for Consumers

Richard Cordray

in Watchdog: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy

Published in print:
2020
Published Online:
May 2020
ISBN:
9780197502990
eISBN:
9780197508251
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780197502990.003.0011
Subject:
Political Science, American Politics, Political Economy

The Consumer Financial Protection Bureau partnered with other federal and state officials to increase consumer protections. It worked with the Department of Defense and the Judge Advocate General’s ... More


The Last Big Fights

Richard Cordray

in Watchdog: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy

Published in print:
2020
Published Online:
May 2020
ISBN:
9780197502990
eISBN:
9780197508251
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780197502990.003.0014
Subject:
Political Science, American Politics, Political Economy

At the start of the Trump administration, the Consumer Financial Protection Bureau had three unfinished projects that represented years of work to protect consumers. First, the bureau had adopted a ... More


Ways and Means

Richard Cordray

in Watchdog: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy

Published in print:
2020
Published Online:
May 2020
ISBN:
9780197502990
eISBN:
9780197508251
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780197502990.003.0008
Subject:
Political Science, American Politics, Political Economy

We expect people to shop for the best deal, know their limits, and make responsible decisions. But contracts for financial products and services have become incredibly complex, and people receive ... More


Consumers and Predators

Richard Cordray

in Watchdog: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy

Published in print:
2020
Published Online:
May 2020
ISBN:
9780197502990
eISBN:
9780197508251
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780197502990.003.0001
Subject:
Political Science, American Politics, Political Economy

Consumers rely on credit every day, using credit cards, student loans, mortgages, and the like to seek the American dream. But as the risks and complexities of credit grew and deceptive practices by ... More


View: