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Doorstep moneylending since the 1950s

Sean O'Connell

in Credit and Community: Working-Class Debt in the UK since 1880

Published in print:
2009
Published Online:
January 2009
ISBN:
9780199263318
eISBN:
9780191718793
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199263318.003.0006
Subject:
History, British and Irish Modern History

This chapter explains the success of companies such as Provident Financial and Cattles (both members of the FTSE 250 by the 1990s). Their agents serviced the growing sub-prime sector and ... 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


OTS and OCC Power Grab

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/9780195388824.003.0008
Subject:
Business and Management, Political Economy

As predatory lenders swept the country, states and cities responded to Washington's inaction by passing their own anti-predatory lending laws. Lenders, worried about potential liability, quickly ... 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


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


Full Disclosure: Building the U.S. 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/9780226711829.003.0002
Subject:
Political Science, American Politics

Chapter two, Full Disclosure: Building and Sustaining the U.S. Political Economy of Credit, explores why federal policymakers haven’t enacted consumer financial protections that effectively curb ... More


The Emergence of the Subprime Market

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/9780195388824.003.0002
Subject:
Business and Management, Political Economy

This chapter traces the emergence of subprime lending. Starting from the home mortgage market in the 1970s, when mortgage lending was the sleepy province of community thrifts and banks; it moves on ... 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


Put to the Test: OCC, OTS, and FDIC Oversight

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/9780195388824.003.0009
Subject:
Business and Management, Political Economy

This chapter discusses oversight by the Office of the Comptroller of the Currency (OCC), Office of Thrift Supervision (OTS), and the Federal Deposit Insurance Corporation (FDIC). In addition to ... More


Suburban Crisis

Andrew R. Highsmith

in Demolition Means Progress: Flint, Michigan, and the Fate of the American Metropolis

Published in print:
2015
Published Online:
January 2016
ISBN:
9780226050058
eISBN:
9780226251080
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226251080.003.0009
Subject:
History, American History: 20th Century

By the early 1970s, the neighborhood battles over race and housing first triggered by urban renewal had spilled over Flint’s northern border into suburban Beecher. There, a controversial federal ... 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


Epilogue

Todd M. Michney

in Surrogate Suburbs: Black Upward Mobility and Neighborhood Change in Cleveland, 1900-1980

Published in print:
2017
Published Online:
September 2017
ISBN:
9781469631943
eISBN:
9781469631967
Item type:
chapter
Publisher:
University of North Carolina Press
DOI:
10.5149/northcarolina/9781469631943.003.0008
Subject:
History, African-American History

By the mid-1970s, upwardly mobile middle-class African Americans were increasingly departing neighbourhoods like Glenville, Mount Pleasant, and Lee-Harvard for a number of nearby bona fide suburbs. ... More


Conclusion

Rebecca K. Marchiel

in After Redlining: The Urban Reinvestment Movement in the Era of Financial Deregulation

Published in print:
2020
Published Online:
May 2021
ISBN:
9780226723648
eISBN:
9780226723785
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226723785.003.0008
Subject:
History, American History: 20th Century

This conclusion argues that the roots of the 2008 financial meltdown lay in the battles that activists lost during the 1970s and 1980s, as policymakers allowed banks to abandon their stake in the ... 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


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


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