Relevant bibliographies by topics / Consumer credit – Law and legislation – United States

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers

Academic literature on the topic 'Consumer credit – Law and legislation – United States'

Author: Grafiati
Published: 28 July 2024
Last updated: 31 July 2025

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Journal articles on the topic "Consumer credit – Law and legislation – United States"

1

Ferretti, Federico, and Beatrice Bertarini. "Consumer Credit Advertising in the United Kingdom and Italy: the Shortcomings of the Consumer Credit Directive and Scope for Review." European Business Law Review 31, Issue 2 (2020): 243–64. http://dx.doi.org/10.54648/eulr2020010.

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This contribution examines comparatively the national laws of the United Kingdom and Italy transposing the provisions of consumer credit advertising as set by the Consumer Credit Directive on account of its review. The Consumer Credit Directive is a full harmonization measure that aims to create a single market in the area of consumer credit with a high level of consumer protection. At the same time, the provision on consumer credit advertising offers a legal choice to Member States as regards its transposition into domestic law. The United Kingdom and Italy have opted for different legal choi
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Arroyo Amayuelas, Esther. "A Third Directive on Consumer Credit." European Review of Contract Law 20, no. 1 (2024): 1–24. http://dx.doi.org/10.1515/ercl-2024-2001.

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Abstract The recently adopted Consumer Credit Directive incorporates new forms of credit and uses classic consumer protection instruments as well as introducing measures that increase control over lenders with the aim of preventing over-indebtedness. In general, more burdens are imposed on lenders and certain commercial practices are banned or restricted in all Member States. Moreover, the Directive is characterised by the fact that it includes consumer data protection and specifies a consumers’ right not to be discriminated against, which may have some overlap with the General Data Protection
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Jørgensen, Tanja. "Harmonization: A Need for EU Action on Consumer Credit?" European Business Law Review 26, Issue 5 (2015): 743–64. http://dx.doi.org/10.54648/eulr2015037.

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As in the consumer area in general, the objective of the internal market has been applied as a reason why there is a EU need for action regarding consumer credit. Even though it is more than 25 years ago since the first Consumer Credit Directive harmonized aspects of the legislation in the Member States, cross-border activities are still extremely low. The achievement of the internal market depends on the consumers’ and the creditors’ overall incentives to cross-border activities, where harmonized aspects of the legislation are only an insignificant motivation. Despite a need for EU action may
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Sein, Karin. "Transposition of the New Consumer Credit Directive in Estonia." European Review of Private Law 20, Issue 2 (2012): 435–46. http://dx.doi.org/10.54648/erpl2012026.

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Abstract: On 30 September 2010, the Estonian Parliament adopted amendments to the Law of Obligations Act (LOA) aimed at implementing the new EU Consumer Credit Directive into Estonian legislation. These amendments entered into force on 1 July 2011, thus over a year later than the mandatory transposition deadline under the Directive. The reason for the delay was the fact that on 1 January 2011 Estonia joined the euro zone and the Estonian credit institutions were not ready to face two substantial challenges - introduction of the euro and coping with the new requirements of the Consumer Credit D
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Anderson, Elisabeth, Bruce G. Carruthers, and Timothy W. Guinnane. "An Unlikely Alliance: How Experts and Industry Transformed Consumer Credit Policy in the Early Twentieth Century United States." Social Science History 39, no. 4 (2015): 581–612. http://dx.doi.org/10.1017/ssh.2015.72.

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Despite the recently demonstrated importance of consumer credit for the economic health of nations and families, little is known about the history of consumer credit markets and their regulation. An important chapter in the history of consumer credit regulation came between 1909 and 1941, when policy experts at the Russell Sage Foundation (RSF) engaged in a national campaign to transform small loan markets and policy in the United States. Concentrating its efforts on state-by-state passage of the Uniform Small Loan Law, the foundation's political success hinged upon an alliance with the Americ
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Bierecki, Dominik, and Natalia Bierecka. "Ewolucja instytucji prawnej więzi członkowskiej w spółdzielczej kasie oszczędnościowo‑kredytowej (unii kredytowej)." Miscellanea Historico-Iuridica 23, no. 1 (2024): 203–24. https://doi.org/10.15290/mhi.2024.23.01.09.

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The aim of the article is to examine the evolution of the legal institution of the membership bond in credit unions in the Polish law. The research thesis of the article states that the requirement to connect members with a social (membership) bond existed in historical credit unions. The research thesis also states that in the evolution of the membership bond there was a territorial bond based on the place of residence of the credit union members. The article was prepared using the historical-legal, dogmatic-legal and comparative legal methods. The article presents the origins of credit union
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7

Staff, Natalie. "Consumer Protection in Mortgage Lending." European Journal of Comparative Law and Governance 3, no. 4 (2016): 385–454. http://dx.doi.org/10.1163/22134514-00304001.

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For different reasons, such as the financial crisis of 2007, the eu has adopted a directive with the purpose of harmonising consumer mortgage lending law whilst ensuring a high level of consumer protection. This article assesses the impacts of the Mortgage Credit Directive in Sweden and the United Kingdom. The focus is residential mortgage lending from a consumer protection perspective on the basis of the main areas of the directive; communications, advice, information, disclosure, responsible lending and repayment. The practical processes of mortgage lending and the ways these fields are regu
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White, Michelle J. "Bankruptcy Reform and Credit Cards." Journal of Economic Perspectives 21, no. 4 (2007): 175–99. http://dx.doi.org/10.1257/jep.21.4.175.

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From 1980 to 2004, the number of personal bankruptcy filings in the United States increased more than five-fold, from 288,000 to 1.5 million per year. By 2004, more Americans were filing for bankruptcy each year than were graduating from college, getting divorced, or being diagnosed with cancer. In 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) became law. It made bankruptcy law much less debtor-friendly. Personal bankruptcy filings fell to 600,000 in 2006. This paper explores why personal bankruptcy rates rose, and will argue that the main reason is the growth of “
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Volynets, V. V. "Some aspects of legal regulation of e-commerce in the United States." Analytical and Comparative Jurisprudence 1, no. 3 (2025): 373–78. https://doi.org/10.24144/2788-6018.2025.03.1.57.

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The article examines some topical issues of legal regulation of e-commerce in the United States, with an emphasis on its impact on the global economy and the need for flexible legislation. It is stated that e-commerce is a rapidly growing sector that is projected to reach $4.3 trillion in global retail sales by 2025. The author found that the United States, as a pioneering country in digital commerce, does not have a single e-commerce law, but instead uses a system of federal and state acts, including the E-SIGN Act (2000), UETA (1999), COPPA (1998), and CAN-SPAM Act (2003). These laws, the co
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Parks, Andrew. "Unfair Collection: Reclaiming Control of Publicly Available Personal Information from Data Scrapers." Michigan Law Review, no. 120.5 (2022): 913. http://dx.doi.org/10.36644/mlr.120.5.unfair.

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Rising enthusiasm for consumer data protection in the United States has resulted in several states advancing legislation to protect the privacy of their residents’ personal information. But even the newly enacted California Privacy Rights Act (CPRA)—the most comprehensive data privacy law in the country— leaves a wide-open gap for internet data scrapers to extract, share, and monetize consumers’ personal information while circumventing regulation. Allowing scrapers to evade privacy regulations comes with potentially disastrous consequences for individuals and society at large. This Note argues
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Dissertations / Theses on the topic "Consumer credit – Law and legislation – United States"

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Jones, Pamela Blythe. "Knowledge of consumer rights and unfair and deceptive practices: a comparison of older and younger consumers." Thesis, Virginia Tech, 1990. http://hdl.handle.net/10919/41486.

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The problem of this study was to measure older and younger consumers' knowledge or awareness of selected consumer rights and legal protections, and their perceptions of and experience with unfair and deceptive business practices. A 34-item instrument was developed and administered by telephone to a random sample of 1,305 consumers nationwide. The data were examined by analysis of frequencies, Chi-square, and analysis of variance. The findings revealed (p<.01) that consumer knowledge was related to the age and marital status of the respondent. Married consumers and consumers aged 25-49 were the
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Kennedy, David Alan. "The ideal asset/liability model for credit unions (with assets between $100 - $500 million)." CSUSB ScholarWorks, 2004. https://scholarworks.lib.csusb.edu/etd-project/2699.

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This project focused on developing the ideal Asset / Liability Model for credit unions with assets between one hundred million and five hundred million dollars. Ideally the model should be closely aligned with that of a successful credit union at the high end of this range. SELCO Community Credit Union of Eugene Oregon was used in creating the model.
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Wells, William Ward. "Information security program development." CSUSB ScholarWorks, 2004. https://scholarworks.lib.csusb.edu/etd-project/2585.

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Munyai, Phumudzo S. "A critical review of the treatment of dominant firms in competition law : a comparative study." Thesis, 2016. http://hdl.handle.net/10500/21908.

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In South Africa compliance with competition law has become a major concern for firms that achieve and maintain certain levels of success and growth in the market, as their actions are often a source of complaints and litigation by rivals and competition authorities. With substantial financial penalties often levied against them for a variety of conduct deemed to constitute an abuse of their market position, dominant firms must constantly be aware of the likely impact of their business strategies and actions on both rivals and consumers. What were once thought to be normal and economically soun
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Bechtel, Kimberly. "A qualitative analysis of calorie menu labeling: Point of sale conversations with cashiers at fast-casual retsaurants." Thesis, 2015. http://hdl.handle.net/1805/7939.

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Indiana University-Purdue University Indianapolis (IUPUI)<br>The study was conducted to examine the communication between the customer and the cashier at the point of purchase in the process of determining the impact of the labeling laws. This study used an inductive qualitative design for data collection and data analysis. Data from this study suggest that calorie counts on menu labels are discussed frequently between the customer and the cashier at the point of sale at fast-casual restaurants. The data found gives us a framework and rationale as to why previous research on the effectivenes
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Books on the topic "Consumer credit – Law and legislation – United States"

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Institute, Pennsylvania Bar. Fair Credit Reporting Act: A primer. Pennsylvania Bar Institute, 2011.

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Institute, Pennsylvania Bar. Fair Credit Reporting Act: A primer. Pennsylvania Bar Institute, 2011.

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American Bar Association. Section of Business Law, ed. The law of truth in lending. ABA Business Law Section, 2014.

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Guaetta, Peter V. Fair debt collection & update on consumer credit protection laws. MCLE, 2010.

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Loonin, Deanne. The National Consumer Law Center guide to surviving debt. 2nd ed. National Consumer Law Center, 2005.

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6

Mellyn, John E. Banking law: Analysis of the Fair and Accurate Credit Transactions Act of 2003 : special pamphlet. LexisNexis Matthew Bender, 2004.

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1922-2001, Clontz Ralph C., and Sheshunoff Information Services, eds. Special report: Credit CARD Act of 2009 : Credit Card Accountability Responsibility and Disclosure Act of 2009. Sheshunoff, 2009.

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8

Whaley, Douglas J. Problems and materials on consumer law. Little, Brown, 1991.

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Pannabecker, James H. FACT Act compliance manual / [James H. Pannabecker, David McF. Stemler, authors]. Sheshunoff, 2004.

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1940-, Carroll Stephen J., Executive Office for U.S. Trustees., and Institute for Civil Justice (U.S.), eds. The effects of the changes in Chapter 7 debtors' lien-avoidance rights under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. RAND, 2007.

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Book chapters on the topic "Consumer credit – Law and legislation – United States"

1

Hornuf, Lars, Sonja Mangold, and Yayun Yang. "Data Protection Law in Germany, the United States, and China." In Data Privacy and Crowdsourcing. Springer Nature Switzerland, 2023. http://dx.doi.org/10.1007/978-3-031-32064-4_3.

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AbstractThis chapter examines data protection laws in Germany, the United States, and China. We describe the most important legal sources and principles of data protection and emphasize the rights of data subjects, with particular attention to personal and sensitive data. The legal frameworks for data protection on crowdsourcing platforms in the three countries show significant differences, but also some similarities. In the United States no federal omnibus regulation on the protection of personal data exists so far. The state of California recently enacted a consumer protection law similar to
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Sockel, Hy, Kuanchin Chen, and Louis K. Falk. "Online Privacy Issues." In Encyclopedia of Multimedia Technology and Networking, Second Edition. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-014-1.ch147.

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Businesses need to understand privacy conditions and implications to ensure that they are in compliance with legal constraints and do not step on consumers’ rights for privacy. Personal identifiable information (PII) and data can have innate importance to an organization. Some organizations view certain privacy features as essential components of their product or services; for example, profile data is often used to tailor products specifically for their customers’ likes and needs. PII can also be used for less-honorable endeavors such as identity theft, phishing, political sabotage, character
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Guerrero, Alexander. "Vicious Partisanship." In Lottocracy. Oxford University PressOxford, 2024. http://dx.doi.org/10.1093/oso/9780198856368.003.0005.

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Abstract This chapter presents a problem with electoral democracy that is more endogenous to elections: the problem of vicious partisanship. The partisanship is vicious in two respects: (1) what it does to us, epistemically; and (2) what it does to us, morally, particularly with respect to being able to live and work together in communities of respect and shared purpose. The basic argument is this. Elections like those in the United States lead to a dominant two-party political system (“Duverger’s Law”). This two-party division creates a clear ingroup/outgroup dynamic, which connects to deep-s
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Conference papers on the topic "Consumer credit – Law and legislation – United States"

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Urošević, Miroslav, Sara Čer, Dejan Beuković, Jovan Mirčeta, Beata Abramowicz, and Miroslava Polovinski-Horvatović. "Deer farming as profitable agribussines: The hidden potential in Serbia." In Zbornik radova 26. medunarodni kongres Mediteranske federacije za zdravlje i produkciju preživara - FeMeSPRum. Poljoprivredni fakultet Novi Sad, 2024. http://dx.doi.org/10.5937/femesprumns24039u.

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The farming of deer (Cervidae family) has increased globally during the last decades, both in the number of farming operations and the economic output. The increasing interest of consumers in the so-called "freerange products" is reflected in the worldwide development of wild animal farming. Deer are farmed on multiple continents for multiple markets including products such as venison, velvet, urine and antlers. New Zealand is by far the largest exporter of deer meat (venison) and products in the world. Venison equates to 91 percent of the total volume of their deer products exported, however
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