Author: Richard E. Gottlieb
Publisher:
ISBN: 9781402422614
Category : Class actions (Civil procedure)
Languages : en
Pages : 1222
Book Description
Consumer Financial Services Answer Book (2015 Edition)
Author: Richard E. Gottlieb
Publisher:
ISBN: 9781402422614
Category : Class actions (Civil procedure)
Languages : en
Pages : 1222
Book Description
Publisher:
ISBN: 9781402422614
Category : Class actions (Civil procedure)
Languages : en
Pages : 1222
Book Description
The Law of Financial Privacy
Author: L. Richard Fischer
Publisher:
ISBN: 9781558277618
Category : Banks and banking
Languages : en
Pages :
Book Description
Publisher:
ISBN: 9781558277618
Category : Banks and banking
Languages : en
Pages :
Book Description
Creditworthy
Author: Josh Lauer
Publisher: Columbia University Press
ISBN: 0231544626
Category : History
Languages : en
Pages : 393
Book Description
The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports—and, later, credit ratings and credit scores—credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with—and determines—our social standing as an honest, reliable, profit-generating person.
Publisher: Columbia University Press
ISBN: 0231544626
Category : History
Languages : en
Pages : 393
Book Description
The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports—and, later, credit ratings and credit scores—credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with—and determines—our social standing as an honest, reliable, profit-generating person.
NCUA Letter to Credit Unions
The Cambridge Handbook of Consumer Privacy
Author: Evan Selinger
Publisher: Cambridge University Press
ISBN: 1316859274
Category : Law
Languages : en
Pages : 616
Book Description
Businesses are rushing to collect personal data to fuel surging demand. Data enthusiasts claim personal information that's obtained from the commercial internet, including mobile platforms, social networks, cloud computing, and connected devices, will unlock path-breaking innovation, including advanced data security. By contrast, regulators and activists contend that corporate data practices too often disempower consumers by creating privacy harms and related problems. As the Internet of Things matures and facial recognition, predictive analytics, big data, and wearable tracking grow in power, scale, and scope, a controversial ecosystem will exacerbate the acrimony over commercial data capture and analysis. The only productive way forward is to get a grip on the key problems right now and change the conversation. That's exactly what Jules Polonetsky, Omer Tene, and Evan Selinger do. They bring together diverse views from leading academics, business leaders, and policymakers to discuss the opportunities and challenges of the new data economy.
Publisher: Cambridge University Press
ISBN: 1316859274
Category : Law
Languages : en
Pages : 616
Book Description
Businesses are rushing to collect personal data to fuel surging demand. Data enthusiasts claim personal information that's obtained from the commercial internet, including mobile platforms, social networks, cloud computing, and connected devices, will unlock path-breaking innovation, including advanced data security. By contrast, regulators and activists contend that corporate data practices too often disempower consumers by creating privacy harms and related problems. As the Internet of Things matures and facial recognition, predictive analytics, big data, and wearable tracking grow in power, scale, and scope, a controversial ecosystem will exacerbate the acrimony over commercial data capture and analysis. The only productive way forward is to get a grip on the key problems right now and change the conversation. That's exactly what Jules Polonetsky, Omer Tene, and Evan Selinger do. They bring together diverse views from leading academics, business leaders, and policymakers to discuss the opportunities and challenges of the new data economy.
The Desk Reference Companion to the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act
Author: David Zetoony
Publisher:
ISBN: 9781641059763
Category : Law
Languages : en
Pages : 387
Book Description
"Explanation of CCPA and CPRA for businesses"--
Publisher:
ISBN: 9781641059763
Category : Law
Languages : en
Pages : 387
Book Description
"Explanation of CCPA and CPRA for businesses"--
Consumer Privacy and Data Protection
Author: Daniel J. Solove
Publisher: Aspen Publishing
ISBN: 1543832601
Category : Law
Languages : en
Pages : 422
Book Description
This short paperback, developed from the casebook Information Privacy Law,contains key cases and materials focusing on privacy issues related to consumer privacy and data security. This book is designed for use in courses and seminars on: Cyberlaw Law and technology Privacy law Information law Consumer law New to the Third Edition: CCPA, biometric privacy laws FTC Facebook Cambridge Analytica case United States v. Gratkowski (Bitcoin and the Fourth Amendment) In re Vizio, Inc. Additional material about TCPA litigation, including Stoops v. Wells Fargo Bank Additional material on the FCC Act Additional material on the Video Privacy Protection Act Barr v. American Association of Political Consultants Topics covered include: Big Data, financial privacy, FCRA, GLBA, FTC privacy and security regulation Identity theft, online behavioral advertising First Amendment limitations on privacy regulation Data breaches, data breach notification statutes Privacy of video watching and media consumptions CFAA, enforcement of privacy policies, marketing use of data, and more
Publisher: Aspen Publishing
ISBN: 1543832601
Category : Law
Languages : en
Pages : 422
Book Description
This short paperback, developed from the casebook Information Privacy Law,contains key cases and materials focusing on privacy issues related to consumer privacy and data security. This book is designed for use in courses and seminars on: Cyberlaw Law and technology Privacy law Information law Consumer law New to the Third Edition: CCPA, biometric privacy laws FTC Facebook Cambridge Analytica case United States v. Gratkowski (Bitcoin and the Fourth Amendment) In re Vizio, Inc. Additional material about TCPA litigation, including Stoops v. Wells Fargo Bank Additional material on the FCC Act Additional material on the Video Privacy Protection Act Barr v. American Association of Political Consultants Topics covered include: Big Data, financial privacy, FCRA, GLBA, FTC privacy and security regulation Identity theft, online behavioral advertising First Amendment limitations on privacy regulation Data breaches, data breach notification statutes Privacy of video watching and media consumptions CFAA, enforcement of privacy policies, marketing use of data, and more
Watchdog
Author: Richard Cordray
Publisher: Oxford University Press
ISBN: 0197503012
Category : Political Science
Languages : en
Pages : 305
Book Description
Every day across America, consumers face issues with credit cards, mortgages, car loans, and student loans. When they are cheated or mistreated, all too often they hit a brick wall against the financial companies. People are fed up with being run over by big corporations, and few have the resources or expertise to fight back on their own. It is no wonder consumers feel powerless: they are outgunned every step of the way. Since 1970, the financial industry has doubled in size. It is the biggest source of campaign contributions to federal candidates and parties, spending about $1 billion annually on campaigns and another $500 million on lobbying. The four biggest banks each now has more than $1 trillion in assets. Financial products have become a mass of fine print that consumers can hardly even read, let alone understand. Growing problems in the increasingly one-sided finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Sharing the stories of individual consumers, Watchdog shows how the Bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how our system can be reformed by putting government back on the side of the people, to strengthen our families, safeguard the marketplace, and establish a new baseline of fairness in our democratic society.
Publisher: Oxford University Press
ISBN: 0197503012
Category : Political Science
Languages : en
Pages : 305
Book Description
Every day across America, consumers face issues with credit cards, mortgages, car loans, and student loans. When they are cheated or mistreated, all too often they hit a brick wall against the financial companies. People are fed up with being run over by big corporations, and few have the resources or expertise to fight back on their own. It is no wonder consumers feel powerless: they are outgunned every step of the way. Since 1970, the financial industry has doubled in size. It is the biggest source of campaign contributions to federal candidates and parties, spending about $1 billion annually on campaigns and another $500 million on lobbying. The four biggest banks each now has more than $1 trillion in assets. Financial products have become a mass of fine print that consumers can hardly even read, let alone understand. Growing problems in the increasingly one-sided finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Sharing the stories of individual consumers, Watchdog shows how the Bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how our system can be reformed by putting government back on the side of the people, to strengthen our families, safeguard the marketplace, and establish a new baseline of fairness in our democratic society.
Privacy online fair information practices in the electronic marketplace : a report to Congress
Author:
Publisher: DIANE Publishing
ISBN: 1428958428
Category :
Languages : en
Pages : 208
Book Description
Publisher: DIANE Publishing
ISBN: 1428958428
Category :
Languages : en
Pages : 208
Book Description
Democracy Declined
Author: Mallory E. SoRelle
Publisher: University of Chicago Press
ISBN: 022671182X
Category : Political Science
Languages : en
Pages : 302
Book Description
As Elizabeth Warren memorably wrote, “It is impossible to buy a toaster that has a one-in-five chance of bursting into flames and burning down your house. But it is possible to refinance an existing home with a mortgage that has the same one-in-five chance of putting the family out on the street.” More than a century after the government embraced credit to fuel the American economy, consumer financial protections in the increasingly complex financial system still place the onus on individuals to sift through fine print for assurance that they are not vulnerable to predatory lending and other pitfalls of consumer financing and growing debt. In Democracy Declined, Mallory E. SoRelle argues that the failure of federal policy makers to curb risky practices can be explained by the evolution of consumer finance policies aimed at encouraging easy credit in part by foregoing more stringent regulation. Furthermore, SoRelle explains how angry borrowers’ experiences with these policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals—they threaten the stability of entire economies. SoRelle identifies pathways to mitigate these potentially disastrous consequences through greater public participation.
Publisher: University of Chicago Press
ISBN: 022671182X
Category : Political Science
Languages : en
Pages : 302
Book Description
As Elizabeth Warren memorably wrote, “It is impossible to buy a toaster that has a one-in-five chance of bursting into flames and burning down your house. But it is possible to refinance an existing home with a mortgage that has the same one-in-five chance of putting the family out on the street.” More than a century after the government embraced credit to fuel the American economy, consumer financial protections in the increasingly complex financial system still place the onus on individuals to sift through fine print for assurance that they are not vulnerable to predatory lending and other pitfalls of consumer financing and growing debt. In Democracy Declined, Mallory E. SoRelle argues that the failure of federal policy makers to curb risky practices can be explained by the evolution of consumer finance policies aimed at encouraging easy credit in part by foregoing more stringent regulation. Furthermore, SoRelle explains how angry borrowers’ experiences with these policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals—they threaten the stability of entire economies. SoRelle identifies pathways to mitigate these potentially disastrous consequences through greater public participation.