The Effect of the Consumer Financial Protection Agency Act of 2009 on Consumer Credit

The Economic Impact of Eliminating Preemption of State Consumer Protection Laws

In July 2009, the Obama Administration proposed legislation that would create a Consumer Financial Protection Agency (“CFPA”). Among other items, the proposed legislation would eliminate federal preemption of state consumer protection laws, which would encourage states to reintroduce a scattering of local rules and regulations. Federal rules promulgated by the newly created Consumer Financial P...

Federal Reserve System National Credit Union Administration Bureau of Consumer Financial Protection Federal Housing Finance Agency 12 Cfr Part 1222 Appraisals for Higher-priced Mortgage Loans; Final Rule

Evaluating the Factors Affecting on Credit Ratings of Accepted Corporates in Tehran Securities Exchange by Using Factor Analysis and AHP

Implementation credit rating for Corporates is influenced by Different circum-stances, systems, processes, and cultures in each country. In this study, we pro-posed a Factor analysis modified approach for determine important factors on real data set of 123 accepted corporate in Tehran Securities Exchange for the years 2009-2017 of diverse range of 52 variable. We estimated the priority score fo...

Private Information and Price Regulation in the US Credit Card Market

The 2009 CARD Act limited credit card lenders’ ability to raise borrowers’ interest rates on the basis of information learned during lending relationships. This paper estimates the efficiency and distributional effects of these restrictions using account-level data from a near-universe of US credit cards. I show that two forces drove these restrictions’ effects. First, I show that the Act const...

Protection of consumer rights in Cyberspace

Today’s civil law faced new challenges and situations for protecting human in role of consumer and also attention to industrial life growing made new branch of law called consumer law that have some positive result in all economic, social and political aspects like increasing household income, reduce conflict and tension between buyer and seller in society and increased public participation in ...