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Consumers and Credit Disclosures: Credit Cards and Credit Insurance [PDF]
Federal Reserve Bulletin, 2002 Under the Truth in Lending Act, the Federal Reserve has the responsibility for writing the implementing rules, which it has carried out with its Regulation Z. Because this law is so critical for federal consumer protection policy in the credit area and because it imposes significant compliance costs on creditors, questions have been raised about ...
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Analisis Perilaku Konsumen Dan Keamanan Kartu Kredit Perbankan
Jurnal Perbankan Syariah, 2020 This paper discusses consumer behavior and banking credit card security. Credit cards are present as one of the non-cash payment methods that simplify business and financial matters so that many consumers use them.
Decky Hendarsyah
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Pre-Agreement Assessment as a Responsible Lending Tool in South-Africa, the EU and Belgium: Part 2
Potchefstroom Electronic Law Journal, 2018 Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness.
Corlia M van Heerden, Reinhard Steennot
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The American consumer: a financial portrait
PSL Quarterly Review, 2014 In March 1957, the Federal Reserve published the results of a broad study of the role of consumer instalment credit in the American economy. Because of its nature, the study is most valuable for the insight it provides into the nature, growth and ...
H.H. LANDSBERG
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Valuating consumer credit portfolios
Latin American Journal of Central Banking, 2022 This paper proposes a model that associates borrower credit risk with the cash flow method to assess the economic value of a consumer credit portfolio.
Pedro Piccoli
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Credit Card Fraud Detection Using LSTM Algorithm
Wasit Journal of Computer and Mathematics Science, 2022 With the rapid growth of consumer credit and the huge amount of financial data developing effective credit scoring models is very crucial. Researchers have developed complex credit scoring models using statistical and artificial intelligence (AI ...
Yanash Azwin Mohmad
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Croatian Yearbook of European Law and Policy, 2018 This article shows that there is a lack of consistency in the interpretation of the meaning and scope of the obligation of traders to provide transparent pre-contractual and contractual information on consumer credit to consumers in EU law.
Mia Junuzović
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Judicial review of illegal clauses in consumer loan agreements
Zeszyty Naukowe Wyższej Szkoły Finansów i Prawa w Bielsku-Białej, 2023 The Consumer Credit Act of 12 May 2011 introduced, with effect from 11 March 2016, Article 36 a 1, which specifies the maximum amount of non-interest credit costs. The maximum amount of these costs is calculated according to a formula (Article 36a (1)),
Justyna Fibinger-Jasińska
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SCIENTIFIC VALUES ON THE EUROPEAN LEGAL REGULATION ON THE CONSUMER CREDIT AGREEMENT [PDF]
EURINT, 2021 With the increase of revenue, including in the budget sphere, which stimulates the planning of purchases of products that could improve the quality of life, with the reduction of interest rates by banks, the citizens are increasingly stimulated to ...
Olesea PLOTNIC, Rodica CRUDU
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Immigrant credit visibility: Access to credit over time in Canada
Economic and Social Reports, 2023 Credit is a key element to modern economic life in Canada and immigrants may be at greater risk of lacking access to credit markets since credit information is, for the most part, not shared across international borders.
Jesse Tweedle +3 more
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