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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.
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.
Author: American Bar Association. House of Delegates Publisher: American Bar Association ISBN: 9781590318737 Category : Law Languages : en Pages : 216
Book Description
The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.
Author: Judith Gerdin Publisher: Elsevier Health Sciences ISBN: 032327773X Category : Medical Languages : en Pages : 673
Book Description
Describing more than 45 health careers, Health Careers Today, 5th Edition offers a practical overview to help you make an informed decision in choosing a profession. Not only does it discuss the roles and responsibilities of various occupations, it provides a solid foundation in the skills needed for all health careers. Clear explanations of anatomy and physiology provide essential knowledge of health related to the human body, and show how this applies to different careers. A companion Evolve website includes skills videos, animations, quizzes, and flashcards. Written by experienced educator Judith Gerdin, this book reflects National Health Care Skills Standards. A clear, easy-to-read approach makes it easy to explore health career options. Over 45 health careers are discussed, including the requirements and roles and responsibilities of each. Full-color drawings and photographs illustrate concepts, techniques, and equipment. The National Health Care Skills Standards are incorporated, and the book's organization closely follows the standards. An Anatomy and Physiology unit covers all of the body systems, and applies A&P to various career settings. Skill Activities provide the opportunity to obtain hands-on experience. Learning Objectives at the beginning of each chapter focus on key information. Key Terms with definitions are listed at the beginning of each chapter. Core concepts are reinforced with more than 70 content boxes, skill boxes, review questions, and critical thinking questions. National Standard sections summarize the specific number and name of each national standard covered in that chapter, along with page references. Chapter summaries make it easy to review and identify key content. A comprehensive glossary includes all key terms and definitions for quick reference. Student resources on a companion Evolve website include fill-in-the-blank and drag-and-drop quizzes, flashcards, anatomy and physiology animations, skill videos, an audio glossary, and web links. A workbook corresponds to the chapters in the textbook, and features learning activities such as vocabulary practice exercises, medical abbreviation practice exercises, coloring/labeling activities, concept application exercises, laboratory exercises, critical thinking exercises, and Internet activities. Sold separately.
Author: Josh Lauer
Author: Josh Lauer
Author: 
Author: American Bar Association. House of Delegates
Author: 
Author: 
Author: United States. Congress
Author: Leon Pratt Alford
Author: Judith Gerdin
Author: Boston (Mass.)
Author: American School (Chicago, Ill.)