Safeguarding Consumers Financial Data

Author : United States. Congress
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781981441044
Total Pages : 100 pages
Book Rating : 4.42/5 ( download)

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Download or read book Safeguarding Consumers' Financial Data written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2017-12-06 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt: Safeguarding consumers' financial data : hearing before the Subcommittee on National Security and International Trade and Finance of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Thirteenth Congress, second session, on examining the procedures for overseeing data security and breaches of data security by the United States Secret Service and the Feder

Author : United States. Congress
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781976544613
Total Pages : 100 pages
Book Rating : 4.10/5 ( download)

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Download or read book Safeguarding Consumers' Financial Data written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2017-09-19 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt: Safeguarding consumers' financial data : hearing before the Subcommittee on National Security and International Trade and Finance of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Thirteenth Congress, second session, on examining the procedures for overseeing data security and breaches of data security by the United States Secret Service and the Feder

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on National Security and International Trade and Finance
Publisher :
ISBN 13 :
Total Pages : 100 pages
Book Rating : 4.40/5 ( download)

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Download or read book Safeguarding Consumers' Financial Data written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on National Security and International Trade and Finance and published by . This book was released on 2015 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Mallory E. SoRelle
Publisher : University of Chicago Press
ISBN 13 : 022671182X
Total Pages : 302 pages
Book Rating : 4.29/5 ( download)

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Download or read book Democracy Declined written by Mallory E. SoRelle and published by University of Chicago Press. This book was released on 2020-12-14 with total page 302 pages. Available in PDF, EPUB and Kindle. Book excerpt: As Elizabeth Warren memorably wrote, “It is impossible to buy a toaster that has a one-in-five chance of bursting into flames and burning down your house. But it is possible to refinance an existing home with a mortgage that has the same one-in-five chance of putting the family out on the street.” More than a century after the government embraced credit to fuel the American economy, consumer financial protections in the increasingly complex financial system still place the onus on individuals to sift through fine print for assurance that they are not vulnerable to predatory lending and other pitfalls of consumer financing and growing debt. In Democracy Declined, Mallory E. SoRelle argues that the failure of federal policy makers to curb risky practices can be explained by the evolution of consumer finance policies aimed at encouraging easy credit in part by foregoing more stringent regulation. Furthermore, SoRelle explains how angry borrowers’ experiences with these policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals—they threaten the stability of entire economies. SoRelle identifies pathways to mitigate these potentially disastrous consequences through greater public participation.

Author : Consumer Financial Protection Bureau
Publisher : CreateSpace
ISBN 13 : 9781507609781
Total Pages : 188 pages
Book Rating : 4.87/5 ( download)

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Download or read book Semi-Annual Report of the Consumer Financial Protection Bureau written by Consumer Financial Protection Bureau and published by CreateSpace. This book was released on 2015-01-19 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Consumer Financial Protection Bureau (CFPB or Bureau) presents this Semi-Annual Report to the President, Congress, and the American people, in fulfillment of its statutory responsibility and commitment to accountability and transparency. This report provides an update on the Bureau's mission, activities, accomplishments, and publications since the last Semi-Annual Report, and provides additional information required by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank or Dodd-Frank Act). The Dodd-Frank Act created the Bureau as the nation's first federal agency with a mission of focusing solely on consumer financial protection and making consumer financial markets work for American consumers, responsible businesses, and the economy as a whole. In the wake of the financial crisis of 2008-2010, the President and Congress recognized the need to address widespread failures in consumer protection and the rapid growth in irresponsible lending practices that preceded the crisis. To remedy these failures, the Dodd-Frank Act consolidated most Federal consumer financial protection authority in the Bureau. The Dodd-Frank Act charged the Bureau with, among other things: - Ensuring that consumers have timely and understandable information to make responsible decisions about financial transactions; - Protecting consumers from unfair, deceptive, or abusive acts and practices, and from discrimination; - Monitoring compliance with Federal consumer financial law and taking appropriate enforcement action to address violations; - Identifying and addressing outdated, unnecessary or unduly burdensome regulations; - Enforcing Federal consumer financial law consistently in order to promote fair competition; - Ensuring that markets for consumer financial products and services operate transparently and efficiently to facilitate access and innovation; and - Conducting financial education programs. The Bureau has continued its efforts to listen and respond to consumers and industry, to be a resource for the American consumer, and to develop into a great institution worthy of the responsibility conferred on it by Congress.

Author : Richard Cordray
Publisher : Oxford University Press
ISBN 13 : 0197503012
Total Pages : 305 pages
Book Rating : 4.10/5 ( download)

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Download or read book Watchdog written by Richard Cordray and published by Oxford University Press. This book was released on 2020-02-03 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every day across America, consumers face issues with credit cards, mortgages, car loans, and student loans. When they are cheated or mistreated, all too often they hit a brick wall against the financial companies. People are fed up with being run over by big corporations, and few have the resources or expertise to fight back on their own. It is no wonder consumers feel powerless: they are outgunned every step of the way. Since 1970, the financial industry has doubled in size. It is the biggest source of campaign contributions to federal candidates and parties, spending about $1 billion annually on campaigns and another $500 million on lobbying. The four biggest banks each now has more than $1 trillion in assets. Financial products have become a mass of fine print that consumers can hardly even read, let alone understand. Growing problems in the increasingly one-sided finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Sharing the stories of individual consumers, Watchdog shows how the Bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how our system can be reformed by putting government back on the side of the people, to strengthen our families, safeguard the marketplace, and establish a new baseline of fairness in our democratic society.

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 92 pages
Book Rating : 4.72/5 ( download)

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Download or read book Financial Privacy and Consumer Protection written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2003 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : The Law The Law Library
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781721591626
Total Pages : 52 pages
Book Rating : 4.21/5 ( download)

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Download or read book Privacy of Consumer Financial Information (Us Consumer Financial Protection Bureau Regulation) (Cfpb) (2018 Edition) written by The Law The Law Library and published by Createspace Independent Publishing Platform. This book was released on 2018-06-18 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Privacy of Consumer Financial Information (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition) The Law Library presents the complete text of the Privacy of Consumer Financial Information (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition). Updated as of May 29, 2018 Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) transferred rulemaking authority for a number of consumer financial protection laws from seven Federal agencies to the Bureau of Consumer Financial Protection (Bureau) as of July 21, 2011, including most provisions of Subtitle A of Title V of the Gramm-Leach-Bliley Act (GLB Act), with respect to financial institutions described in section 504 of the GLB Act. The Bureau is in the process of republishing the regulations implementing those laws with technical and conforming changes to reflect the transfer of authority and certain other changes made by the Dodd-Frank Act. In light of the transfer of rulemaking authority for the privacy provisions of the GLB Act to the Bureau, the Bureau is publishing for public comment an interim final rule establishing a new Regulation P (Privacy of Consumer Financial Information). This interim final rule does not impose any new substantive obligations on regulated entities. This book contains: - The complete text of the Privacy of Consumer Financial Information (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition) - A table of contents with the page number of each section

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher :
ISBN 13 :
Total Pages : 194 pages
Book Rating : 4.14/5 ( download)

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Download or read book H.R. 3997, Financial Data Protection Act of 2005 written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2006 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author :
Publisher :
ISBN 13 :
Total Pages : 1 pages
Book Rating : 4.18/5 ( download)

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Download or read book Safeguarding Customers' Personal Information written by and published by . This book was released on 2002* with total page 1 pages. Available in PDF, EPUB and Kindle. Book excerpt: