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Author: United States. Congress. Senate. Committee on Banking and Currency Publisher: ISBN: Category : Automobile industry and trade Languages : en Pages : 924
Book Description
Considers S. 2755, the Finance Charge Disclosure Act, to require loan interest rate disclosure by lenders. Focuses on new automobile financing practices.
Author: United States. Congress. Senate. Committee on Banking and Currency Publisher: ISBN: Category : Automobile industry and trade Languages : en Pages : 924
Book Description
Considers S. 2755, the Finance Charge Disclosure Act, to require loan interest rate disclosure by lenders. Focuses on new automobile financing practices.
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: Bill Grady Publisher: Wiley ISBN: 9780471106623 Category : Business & Economics Languages : en Pages : 227
Book Description
Retailers nationwide are discovering that private label credit cards are one of the most dynamic marketing tools ever to come down the pike. Not only do they act as a powerful draw for new customers, but, according to recent marketing studies, private label cards help build customer loyalty. They are also a nearly limitless vehicle for promotional offers, discounts, premiums, and other potent customer incentives. And they provide retailers with an unprecedented means of gathering valuable customer-profile and purchasing information which can then be used to build a targeted database for generating mailing lists, strategically managing inventory, segmenting the most profitable customers, and more. Now, in the first and only book devoted exclusively to the subject, credit card marketing legend Bill Grady tells you everything you need to know to successfully develop and market a private label credit card, or to more effectively use an existing one to expand your customer base. The man behind many of the major innovations in the field, Bill created and managed the largest and most successful credit card program in the home center industry and has worked with many prestigious Fortune 500 companies to develop their programs. In Credit Card Marketing, he shares the fruits of his more than twenty-five years in the business and fills you in on all the successful credit marketing techniques now in use at today's sharpest, most innovative retail stores, banks, oil companies, and travel and entertainment providers. Writing in a warm, down-to-earth style, he takes you step-by-step through the entire process, from prescreened and preapproved solicitations, to direct mail, telemarketing, and in-store promotions, from premiums and sign-up programs, to frequent shopper and card enhancement programs. He also offers detailed scheduling guidelines to help you understand the lead times involved in various programs; guidelines on how to train employees to effectively market credit cards; and an entire chapter on how to develop and execute a winning credit card marketing plan. And along the way, Bill Grady reveals dozens of insider tips, insights, and rules of thumb that alone make Credit Card Marketing worth more than its weight in platinum. A guide to exploiting the full potential of one of today's most versatile marketing tools, Credit Card Marketing is must reading for all retailers, banks, and others. For as Bill Grady so poignantly puts it: "In today's economic environment those who understand how to get the most from their marketing dollars will be the ones around in a few years to talk about their success." "I've known Bill for twenty-three years . . . his passion for stimulating sales through promotions and direct marketing can only be defined as AGGRESSIVE, CREATIVE, and SUCCESSFUL." —Ray Rawley, Director of Retail Credit Lowe's Companies, Inc. "At last . . . a book that catalogs and fully explains each weapon in the credit marketer's arsenal. Must reading for all credit issuers." —David Garron, President and CEO, First North American National Bank (Circuit City Stores) "A creative and positive approach to credit marketing as translated by a true professional in the credit industry." —Jim Heatherly, Credit Marketing Manager The Home Depot "Bill's commonsense approach to credit marketing really comes through. A must read for the marketing manager and a must read reminder for those of us removed from the day-to-day reality." —Ralph Spurgin, President and CEO Limited Credit Services "The '80s ideas won't work in the '90s. Grady's Credit Card Marketing is a must for credit grantors with ambitious goals." —Bill Bloom, Vice President Credit Sales and Services, Saks Fifth Avenue "Everyone from Assistant Credit Marketing Manager to the Vice President of Credit will benefit as Bill Grady shares his experiences, common sense, practical applications, and inside tips." —Ed Epstein, Vice President, Credit Specialty Department Stores, Inc. (Uptons, J. Byrons, Steinbach) "Veterans and rookies all can learn from Bill's experience. A must read." —Harry Gambill, President and CEO Trans Union Credit Information Company "Bill's experience in retail credit promotions guarantees this will become a handbook for all credit managers." —Suzanne E. Boas, President, Greater Atlanta Consumer Credit Counselling Service Former Vice President, Credit and Consumer Affairs, Macy's/Bullock's "The '90s are the decade of change. Bill's book reinforces the importance of credit marketing and the effect it will have on all of our businesses this coming decade." —Ted L. Spurlock, Senior Vice President and Director of Financial Services, JC Penney Company "I've heard Bill speak many times and with authority about credit marketing. I'm glad he's decided to put it all in writing . . ." —Ronald Prill, Vice President, Credit Mervyn's (Division of Dayton Hudson)
Author: Joe Deville Publisher: Routledge ISBN: 1134087713 Category : Business & Economics Languages : en Pages : 231
Book Description
Consumer credit borrowing – using credit cards, store cards and personal loans – is an important and routine part of many of our lives. But what happens when these everyday forms of borrowing go ‘bad’, when people start to default on their loans and when they cannot, or will not, repay? It is this poorly understood, controversial, but central part of both the consumer credit industry and the lived experiences of an increasing number of people that this book explores. Drawing on research from the interior of the debt collections industry, as well as debtors' own accounts and historical research into technologies of lending and collection, it examines precisely how this ever more sophisticated, globally connected market functions. It focuses on the highly intimate techniques used to try and recoup defaulting debts from borrowers, as well as on the collection industry’s relationship with lenders. Joe Deville follows a journey of default, from debtors’ borrowing practices, to the intrusion of collections technologies into their homes and everyday lives, to the collections organisation, to attempts by debtors to seek outside help. In the process he shows how to understand this particular market, we need to understand the central role played within it by emotion and affect. By opening up for scrutiny an area of the economy which is often hidden from view, this book makes a major contribution both to understanding the relationship between emotion and calculation in markets and the role of consumer credit in our societies and economies. This book will be of interest to students, teachers and researchers in a range of fields, including sociology, anthropology, cultural studies, economics and social psychology.
Author: United States. Congress. Senate. Committee on Banking and Currency
Author: United States. Congress. Senate. Committee on Banking and Currency
Author: United States. Congress. Senate. Banking and Currency Committee
Author: United States
Author: United States. Federal Trade Commission. Bureau of Consumer Protection
Author: American Bar Association. House of Delegates
Author: Bill Grady
Author: United States. National Commission on Consumer Finance
Author: United States
Author: Joe Deville
Author: United States. Federal Trade Commission