Consumer Credit: Law and Practice, Hill-Smith Alexander
Автор: Philpott, Fred; Neville, Stephen; Hibbert, William Название: The Law of Consumer Credit and Hire ISBN: 0199230366 ISBN-13(EAN): 9780199230365 Издательство: Oxford Academ Рейтинг: Цена: 60192.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: This book offers detailed guidance on the practical issues arising from the Consumer Credit Act 2006. Written by an expert author team specialising in consumer credit law, this work provides in-depth commentary for commercial and banking lawyers drafting, securitising or seeking to defend claims under credit and hire agreements.
Автор: HillSmith Название: Consumer Credit ISBN: 1138019917 ISBN-13(EAN): 9781138019911 Издательство: Taylor&Francis Рейтинг: Цена: 23734.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание:
The field of consumer credit law has undergone major and fundamental change in the recent past, due in part to the regulation since 1 April 2014 of consumer credit by the Financial Conduct Authority, and this book provides a clear and complete guide to this difficult area of law.
Fully updated for the second edition, the author considers new developments including:
the new authorisation process under the Financial Services and Markets Act 2000, including the interim permission regime, and its consequences; the new regime for financial promotions as applied to credit and hire advertising; the new rules controlling high cost short term lending and peer to peer lending; the new provisions of the recently released Consumer Credit Sourcebook (CONC); the new requirements governing mortgage lending as contained in MCOB; the requirements for distance selling and off-premises contracts as applied to consumer credit and consumer hire including the impact of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013; the jurisdiction of the financial ombudsman service on consumer credit. Also considered is the recent case law on the powerful unfair relationships jurisdiction.
This comprehensive and practical guide is essential reading for legal practitioners, finance houses, credit reference agencies and retail organisations.
Описание: Regulation of the banking industry has undergone substantial changes over the past decade. In response to the 2007-2009 financial crisis, many new bank regulations were implemented pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 or under the existing authorities of bank regulators to address apparent weaknesses in the regulatory regime. Chapter 1 provides a broad overview of selected banking-related issues, including issues related to "safety and soundness" regulation, consumer protection, community banks, large banks, what type of companies should be able to establish banks, and recent market and economic trends. Chapter 2 provides a broad overview of various banking topicsakey concepts in banking, overview of regulation, recent banking legislation, and policy issues. Banks generally must comply with a variety of requirements to hold minimum levels of capital. Chapter3 provides a brief overview of these requirements and examines related policy issues. Chapter 4 first provides background information on the consumer data industry and various specialty areas. It then examines one prominent specialty areaaconsumer scoringaand describes various factors used to calculate credit scores. Next, it provides a general description of the current regulatory framework of the consumer data industry. Finally, the chapter discusses selected policy issues pertaining to consumer data reports. Chapter 5 provides an overview of consumer lending markets, pricing, and legislative efforts designed to facilitate efficient credit allocation and pricing. The 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank; P.L. 111-203) established the Bureau of Consumer Financial Protection (CFPB) to implement and enforce federal consumer financial law while ensuring consumers can access financial products and services as reported in chapter 6. Chapter 7 reports on the results of the audits of the fiscal years 2017 and 2016 financial statements of the Bureau of Consumer Financial Protection, known as the Consumer Financial Protection Bureau (CFPB), which is incorporated in the enclosed Financial Report of the Consumer Financial Protection Bureau for Fiscal Year 2017. Chapter 8 provides an overview of how accounting and auditing standards are created and regulated in the private sector, the federal government, and state and local governments
Автор: Jodi Gardner Название: The Future of High-Cost Credit: Rethinking Payday Lending ISBN: 1509939350 ISBN-13(EAN): 9781509939350 Издательство: Bloomsbury Academic Рейтинг: Цена: 14256.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: This book proposes a new way of thinking about the controversial and complex challenges associated with the regulation of high-cost credit, specifically payday lending. These products have received significant attention in both the media and political arena. The inadequacy of regulatory interventions has created ongoing problems with the provision of high-cost credit, particularly for consumers with lesser bargaining power and who are already financially vulnerable.
The book tackles two specific gaps in the existing literature. The first involves inadequate analysis of the relevant philosophical concepts around high-cost credit, which can result in an over-simplification of what are particularly complex issues. The second is a lack of engagement in both the market and lived experience of borrowers, resulting in limited understanding of those who use these financial products.
The Future of High-Cost Credit explores the theoretical grounding, policy initiatives and interdisciplinary perspectives associated with high-cost credit, making a novel and insightful contribution to the existing literature. The problems with debt extend far beyond the legal sphere, and the book will therefore be of interest to many other academic disciplines, as well as for those working in public policy and ‘the third sector’.
Автор: Federico Della Negra Название: MiFID II and Private Law: Enforcing EU Conduct of Business Rules ISBN: 1509925295 ISBN-13(EAN): 9781509925292 Издательство: Bloomsbury Academic Рейтинг: Цена: 15048.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: In the wake of the global financial crisis, investors have suffered significant losses as a result of breaches of conduct of business rules in the distribution of financial instruments. MiFID II introduced new disclosure, distribution and product governance rules to strengthen the protection of investors but, like MiFID I, did not harmonise the civil law consequences for their violation. This book asks whether, in spite of the silence of the EU legislators, the MiFID II conduct of business rules may produce civil law effects, enabling investors to enforce them against investment firms before national courts and alternative dispute resolution (ADR) mechanisms. Building on the case law of the CJEU, the book shows the conditions under which the breach of MiFID II conduct of business rules should give rise to a private law remedy, and what remedies would be compatible with EU law. MiFID II and Private Law is an essential contribution to academic research in EU and financial law and will be a key text for policy-makers and legal practitioners working in the field of investor protection regulation and mis-selling litigation.
Автор: Della Negra, Federico (european Central Bank) Название: Mifid ii and private law ISBN: 1509946268 ISBN-13(EAN): 9781509946266 Издательство: Bloomsbury Academic Рейтинг: Цена: 6334.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание:
In the wake of the global financial crisis, investors have suffered significant losses as a result of breaches of conduct of business rules in the distribution of financial instruments. MiFID II introduced new disclosure, distribution and product governance rules to strengthen the protection of investors but, like MiFID I, did not harmonise the civil law consequences for their violation. This book asks whether, in spite of the silence of the EU legislators, the MiFID II conduct of business rules may produce civil law effects, enabling investors to enforce them against investment firms before national courts and alternative dispute resolution (ADR) mechanisms. Building on the case law of the CJEU, the book shows the conditions under which the breach of MiFID II conduct of business rules should give rise to a private law remedy, and what remedies would be compatible with EU law. MiFID II and Private Law is an essential contribution to academic research in EU and financial law and will be a key text for policy-makers and legal practitioners working in the field of investor protection regulation and mis-selling litigation.
Автор: Edited by Andrew Godwin , Andrew Schmulow Название: The Cambridge Handbook of Twin Peaks Financial Regulation ISBN: 1107186420 ISBN-13(EAN): 9781107186422 Издательство: Cambridge Academ Рейтинг: Цена: 33739.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: With contributions from over thirty leading scholars and senior regulators from around the world, this book is for anyone interested in effective models for financial regulation. It provides a scholarly, multi-disciplinary, cross-jurisdictional and internationally comparative examination of current trends, with an emphasis on the Twin Peaks model.
Автор: Hernandez, Alexander Название: Consumer bankruptcy law ISBN: 1032064692 ISBN-13(EAN): 9781032064697 Издательство: Taylor&Francis Рейтинг: Цена: 8726.00 р. Наличие на складе: Поставка под заказ.
Описание: This practical and invaluable textbook covers the principles and practice of US consumer bankruptcy law, known as Chapter 7 and Chapter 13, for paralegals and legal studies students. Including online resources for both students and instructors to benefit from, such as multiple-choice questions and PowerPoints summarizing each chapter.
Автор: Ezechukwu, Nwanneka Название: Mobile Payments, Consumer Policy, and the Law ISBN: 0367347067 ISBN-13(EAN): 9780367347062 Издательство: Taylor&Francis Рейтинг: Цена: 18374.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Mobile technology offers an innovative and cost-effective channel for delivering a range of financial services, including mobile payments. In some jurisdictions, mobile payments simply provide a convenient option for facilitating payment transactions.
Автор: Hernandez, Alexander Название: Consumer Bankruptcy Law ISBN: 103206661X ISBN-13(EAN): 9781032066615 Издательство: Taylor&Francis Рейтинг: Цена: 22202.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Автор: Vries Robbe, Jan Job De Название: Securitization law and practice ISBN: 9041127151 ISBN-13(EAN): 9789041127150 Издательство: Неизвестно Рейтинг: Цена: 53797.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Mariah Talbot seems to lead a charmed life. Successful and talented, she is an interior designer in Boston`s Back Bay neighborhood and, by all accounts, is fulfilling her dreams. But appearances can be deceiving. Few people know the truth about her tragic past and why she guards her heart so fiercely, or the fact she is still very much in love with a ghost. Andrew Madden is a partner in one of Boston`s elite law firms. Bracing himself for a confrontation on his commute to work one morning, the last thing he expects is to be captivated by the woman who emerges from her car. Mariah is unlike any woman he has ever met, and their attraction is instant. But as he soon discovers, there is much more to her than meets the eye. He clings to the hope that with time, she will come to trust him completely. But time is precious and fleeting. Neither of them could have predicted the bizarre twist of fate that alters the course of their lives forever. Only when Andrew embarks on his own journey, unraveling the haunting secrets of Mariah`s past, does he finally come to understand that love never dies...and neither does the soul.
Автор: Leonard Onyiriuba Название: Emerging Market Bank Lending and Credit Risk Control ISBN: 0128034386 ISBN-13(EAN): 9780128034385 Издательство: Elsevier Science Рейтинг: Цена: 11620.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание:
Using a framework of volatile markets Emerging Market Bank Lending and Credit Risk Control covers the theoretical and practical foundations of contemporary credit risk with implications for bank management. Drawing a direct connection between risk and its effects on credit analysis and decisions, the book discusses how credit risk should be correctly anticipated and its impact mitigated within framework of sound credit culture and process in line with the Basel Accords.
This is the only practical book that specifically guides bankers through the analysis and management of the peculiar credit risks of counterparties in emerging economies. Each chapter features a one-page overview that introduces its subject and its outcomes. Chapters include summaries, review questions, references, and endnotes.
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