The Consumer Financial Protection Bureau (Cfpb) PDF Download

Author: David Carpenter
Publisher: CreateSpace
ISBN: 9781503012165
Category :
Languages : en
Pages : 32

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Book Description
Title X of the Dodd-Frank Act is entitled the Consumer Financial Protection Act of 2010 (CFP Act). The CFP Act establishes the Bureau of Consumer Financial Protection (CFPB or Bureau) within the Federal Reserve System (FRS) with rule making, enforcement, and supervisory powers over many consumer financial products and services, as well as the entities that sell them. The CFP Act significantly enhances federal consumer protection regulatory authority over non depository financial institutions, potentially subjecting them to comparable supervisory, examination, and enforcement standards that have been applicable to depository institutions in the past.

Author: National Research Council
Publisher: National Academies Press
ISBN: 030930783X
Category : Medical
Languages : en
Pages : 340

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Book Description
How we produce and consume food has a bigger impact on Americans' well-being than any other human activity. The food industry is the largest sector of our economy; food touches everything from our health to the environment, climate change, economic inequality, and the federal budget. From the earliest developments of agriculture, a major goal has been to attain sufficient foods that provide the energy and the nutrients needed for a healthy, active life. Over time, food production, processing, marketing, and consumption have evolved and become highly complex. The challenges of improving the food system in the 21st century will require systemic approaches that take full account of social, economic, ecological, and evolutionary factors. Policy or business interventions involving a segment of the food system often have consequences beyond the original issue the intervention was meant to address. A Framework for Assessing Effects of the Food System develops an analytical framework for assessing effects associated with the ways in which food is grown, processed, distributed, marketed, retailed, and consumed in the United States. The framework will allow users to recognize effects across the full food system, consider all domains and dimensions of effects, account for systems dynamics and complexities, and choose appropriate methods for analysis. This report provides example applications of the framework based on complex questions that are currently under debate: consumption of a healthy and safe diet, food security, animal welfare, and preserving the environment and its resources. A Framework for Assessing Effects of the Food System describes the U.S. food system and provides a brief history of its evolution into the current system. This report identifies some of the real and potential implications of the current system in terms of its health, environmental, and socioeconomic effects along with a sense for the complexities of the system, potential metrics, and some of the data needs that are required to assess the effects. The overview of the food system and the framework described in this report will be an essential resource for decision makers, researchers, and others to examine the possible impacts of alternative policies or agricultural or food processing practices.

Author: John P. Caskey
Publisher: Russell Sage Foundation
ISBN: 1610441133
Category : Business & Economics
Languages : en
Pages : 180

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Book Description
"Cogently argued, fills an important gap in the literature, and is accessible to undergraduates." —Choice "Dismantles the mythology surrounding pawnshops and check-cashing outlets, and demonstrates that they are no longer on the fringe of our financial system but integral to it."—San Francisco Bay Guardian In today's world of electronic cash transfers, automated teller machines, and credit cards, the image of the musty, junk-laden pawnshop seems a relic of the past. But it is not. The 1980s witnessed a tremendous boom in pawnbroking. There are now more pawnshops thanever before in U.S. history, and they are found not only in large cities but in towns and suburbs throughout the nation. As John Caskey demonstrates in Fringe Banking, the increased public patronage of both pawnshops and commercial check-cashing outlets signals the growing number of American households now living on a cash-only basis, with no connection to any mainstream credit facilities or banking services. Fringe Banking is the first comprehensive study of pawnshops and check-cashing outlets, profiling their operations, customers, and recent growth from family-owned shops to such successful outlet chains as Cash American and ACE America's Cash Express. It explains why, despite interest rates and fees substantially higher than those of banks, their use has so dramatically increased. According to Caskey, declining family earnings, changing family structures, a growing immigrant population, and lack of household budgeting skills has greatly reduced the demand for bank deposit services among millions of Americans. In addition, banks responded to 1980s regulatory changes by increasing fees on deposit accounts with small balances and closing branches in many poor urban areas. These factors combined to leave many low- and moderate-income families without access to checking privileges, credit services, and bank loans. Pawnshops and check-cashing outlets provide such families with essential financial services thay cannot obtain elsewhere. Caskey notes that fringe banks, particularly check-cashing outlets, are also utilized by families who could participate in the formal banking system, but are willing to pay more for convenience and quick access to cash. Caskey argues that, contrary to their historical reputation as predators milking the poor and desperate, pawnshops and check-cashing outlets play a key financial role for disadvantaged groups. Citing the inconsistent and often unenforced state laws currently governing the industry, Fringe Banking challenges policy makers to design regulations that will allow fringe banks to remain profitable without exploiting the customers who depend on them.

Author: United States. Congress. Senate. Library
Publisher:
ISBN:
Category : Election law
Languages : en
Pages : 370

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Author:
Publisher:
ISBN:
Category : Election law
Languages : en
Pages : 316

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Author: Hester Peirce
Publisher:
ISBN: 9780983607779
Category : Financial institutions
Languages : en
Pages : 232

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Book Description
More than 360,000 words in length, the Dodd-Frank Wall Street Reform and Consumer Protection Act is the longest and most complex piece of financial legislation in American history. The nature and magnitude of its effects, both intended and unintended, will become clearer as regulators exercise the broad discretion given to them under the law. In this new book, the contributors ask whether the law is an effective response to the financial crisis that so deeply rattled our nation. Taking a hard look at the law's celebrated objectives, they reveal that it not only fails to achieve many of its stated goals, it also creates dangerous regulatory pathologies that could lay the groundwork for the next crisis.

Author: Robert Brinkmann
Publisher: Springer
ISBN: 3319713892
Category : Science
Languages : en
Pages : 883

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Book Description
This book provides a comprehensive overview of the practice of sustainability through a diverse range of case studies spanning across varied fields and areas of expertise. It provides a clear indication as to the contemporary state of sustainability in a time faced by issues such as global climate change, challenges of environmental justice, economic globalization and environmental contamination. The Palgrave Handbook of Sustainability explores three broad themes: Environmental Sustainability, Social Sustainability and Economic Sustainability. The authors critically explore these themes and provide insight into their linkages with one another to demonstrate the substantial efforts currently underway to address the sustainability of our planet. This handbook is an important contribution to the best practises on sustainability, drawn from many different examples across the fields of engineering, geology, anthropology, sociology, biology, chemistry and religion.

Author: Donald F. Lavanty
Publisher: Springer
ISBN: 1137402830
Category : Political Science
Languages : en
Pages : 115

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Book Description
As a consultant for healthcare associations working on all the healthcare laws from Medicare, the Health Manpower Act, Budget Reconciliation, Clinton healthcare efforts and the Affordable Healthcare Act, Donald Lavanty had a front-row seat from which to witness the politics and policies motivating each action. This volume was written from that experience, which was first documented in the course on the Political Aspects of Healthcare, employing the analogy that these various legislative actions to connect the system are like attempting to build a canal connecting the Amazon and Nile rivers: a long and difficult process. The title examines ongoing efforts to create and maintain a workable solution to the conflicts inherent in the US healthcare system from all angles, conflicts that arise due to the nature of our democratic government in which healthcare policies change based on the position of the voting majority in Congress at the time any action is taken.

Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Economic Policy
Publisher:
ISBN:
Category : Financial crises
Languages : en
Pages : 64

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Author: United States. Congress. Senate. Special Committee to Investigate Whitewater Development Corporation and Related Matters
Publisher:
ISBN:
Category : Governmental investigations
Languages : en
Pages :

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