Predatory lending: A problem rooted in the past that continues today. Looking for an investment return that could exceed 500 percent annually; maybe even twice that much? Private, unregulated lending to high-risk borrowers is the answer, or at least it was in the United States for much of the...

Intro -- Contents -- Acknowledgments -- Introduction -- 1. Debtors and Creditors -- 2. The Law of Failure -- 3. Imprisoned Debtors in the Early Republic -- 4. The Imagery of Insolvency -- 5. A Shadow Republic -- 6. The Politics of Insolvency -- 7. The Faces of Bankruptcy -- Conclusion -- Notes...

Prelims -- Contents -- List of Contributors -- Introduction -- 1 Inequality and Access to Financial Services -- 2 The Political Economy of Consumer Credit Securitization: Comparing Predatory Lending in Home Finance in the US, UK, Germany and Japan -- 3 Consumer Overindebtedness in Brazil and the...

"Examines the path from basic banking services to creditmaking decisions to mortgage lending that can give low-income individuals and communities the opportunity to build assets through credit, highlighting the need for transparency in the subprime market, buyer education, and borrower...

Cover -- Table of Contents -- List of Figures -- List of Tables -- List of Abbreviations -- Foreword -- THEORETICAL PART -- 1. Theoretical background: definition of responsible borrowing and lending -- 1.1 Definition of responsible lending -- 1.2 Definition of responsible borrowing -- 1.3...

Many governments operate consumer debt relief programs, often timed to match the election cycle, but their political effects are not well understood. We ask if debt relief can influence elections in democracies. Our motivating exercise is the Biden administration’s promise to relieve student...