Discrimination In Financial Services

Author : George J. Benston
Publisher : Springer Science & Business Media
ISBN 13 : 1461561477
Total Pages : 227 pages
Book Rating : 4.77/5 ( download)

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Download or read book Discrimination in Financial Services written by George J. Benston and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 227 pages. Available in PDF, EPUB and Kindle. Book excerpt: Equal treatment in access to credit has long been a fundamental social goal in the United States. However, despite the passage of several laws in the U.S. prohibiting discrimination in the provision of financial services on the basis of race, gender, and marital status, among other factors, questions concerning the existence of racial discrimination in such areas as home mortgage loans and small business credit continue, and confound public policy makers. This book is composed of nine articles and a panel discussion, originally published as a special issue of the Journal of Financial Services Research. These contributions explore the complex issue of discrimination in financial services.

Author : George J. Benston
Publisher :
ISBN 13 :
Total Pages : 232 pages
Book Rating : 4.87/5 ( download)

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Download or read book Discrimination in Financial Services written by George J. Benston and published by . This book was released on 1997 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Cătălin-Gabriel Stănescu
Publisher : Routledge
ISBN 13 : 1000295192
Total Pages : 291 pages
Book Rating : 4.91/5 ( download)

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Download or read book Discrimination, Vulnerable Consumers and Financial Inclusion written by Cătălin-Gabriel Stănescu and published by Routledge. This book was released on 2020-12-28 with total page 291 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book addresses the questions of discrimination, vulnerable consumers, and financial inclusion in the light of the emerging legal, socioeconomic, and technological challenges. New technologies – such as artificial intelligence-driven consumer credit risk assessment and Fintech platforms, the changing nature of vulnerability due to the ongoing COVID-19 pandemic, as well as the sophistication of digital technologies, which help circumvent legal barriers and protections – necessitate the continuous study of the existing legal frameworks and measures that are capable of tackling these challenges. Organized in two major parts, the first addresses, from multiple national angles, the idea of a human rights approach to consumer law, in order to replace the mantra of economic efficiency that characterizes financial services with those of human dignity and freedom from discrimination and from debt-induced servitude. The second tackles the challenges posed by increased usage of technology in connection with financial services, which tends to solve, but also creates, additional issues for consumers in general, and for vulnerable groups in particular.

Author : Richard E. Gottlieb
Publisher :
ISBN 13 : 9781402422614
Total Pages : 1222 pages
Book Rating : 4.1X/5 ( download)

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Download or read book Consumer Financial Services Answer Book (2015 Edition) written by Richard E. Gottlieb and published by . This book was released on 2014 with total page 1222 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations
Publisher :
ISBN 13 :
Total Pages : 86 pages
Book Rating : 4.4C/5 ( download)

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Download or read book Allegations of Discrimination and Retaliation Within the Consumer Financial Protection Bureau written by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations and published by . This book was released on 2014 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Great Britain. Financial Services Experts' Working Group on Age Discrimination
Publisher :
ISBN 13 : 9781845325060
Total Pages : 173 pages
Book Rating : 4.60/5 ( download)

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Download or read book Age Discrimination in Financial Services written by Great Britain. Financial Services Experts' Working Group on Age Discrimination and published by . This book was released on 2008 with total page 173 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations
Publisher :
ISBN 13 :
Total Pages : 336 pages
Book Rating : 4.73/5 ( download)

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Download or read book Diversity in the Financial Services Sector written by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations and published by . This book was released on 2008 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : United States. Congress. House. Committee on Financial Services
Publisher :
ISBN 13 :
Total Pages : 160 pages
Book Rating : 4.43/5 ( download)

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Download or read book Mortgage Lending Discrimination written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2008 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Benjamin Davis
Publisher : Independently Published
ISBN 13 : 9781728893204
Total Pages : 194 pages
Book Rating : 4.08/5 ( download)

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Download or read book Reform Or Revolt written by Benjamin Davis and published by Independently Published. This book was released on 2018-10-17 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banks and financial institutions discriminate against their customers daily based on economic class, race, sex and for being differently abled. This is done through lending and fee decisions based on discriminatory data related to income inequality. This impacts risk-based pricing on loans, credit score minimums for loan approval, debt to income ratio calculations, loan to value ratio calculations and requirements for primary mortgage insurance, among other policies. In this book I identify and explain discriminatory financial processes that are used each day, in every bank and credit union in America. I then recommend ways for banks and financial institutions to resolve their discriminatory practices - reform. I also recommend ways for customers to "encourage" banks and financial institutions to change - revolt. I have been in banking and finance for nearly two decades. I have worked as a manager, teacher and as a Independent Adviser. Recently I was a Vice President for one of the largest banks in the world where I was responsible for bank issue identification and resolution. I am also a bank customer that has experienced financial discrimination.It is time for financial discrimination to end. It is time for Reform or Revolt!

Author : Asli Demirguc-Kunt
Publisher : World Bank Publications
ISBN 13 : 1464812683
Total Pages : 148 pages
Book Rating : 4.82/5 ( download)

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Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.