Consumer Credit Fundamentals

by S. Finlay

Overview

Despite the huge expansion in consumer credit in the last 25 years there are very few texts describing the operation of consumer credit markets. Consumer Credit Fundamentals is the first book to provide a broad cross-disciplinary introduction to the subject. It covers the history of credit, the types of consumer credit available, how credit is granted and managed, the legal framework within which commercial lenders must operate, as well as consumer and ethical issues. A complete, well-rounded and practical introduction to consumer credit.

Product Details

ISBN-13:	9781403939784
Publisher:	Palgrave Macmillan UK
Publication date:	10/06/2005
Edition description:	2005
Pages:	247
Product dimensions:	5.51(w) x 8.50(h) x 0.03(d)

About the Author

Steven Finlay is a researcher at Lancaster University.

Table of Contents

Preface Introduction Products and Providers The History of Credit Ethics in Lending Legislation and Consumer Rights The Economics of Credit and its Marketing Credit Granting Decisions Credit Reference Agencies Credit Management Appendix A: The Calculation of Interest and APR Bibliography

Editorial Reviews

'A comprehensive, well researched and well written text, covering a wide range of consumer credit topics. Highly recommended as an introduction to the subject'

- Simon Harben, Senior Vice President Global Analytics, Experian, UK

'This is a definitive guide to consumer credit history, ethics, law, economics, the operation of credit reference agencies, credit scoring: An interesting, informative and very readable book that I would recommend to anyone who wants gain an insight into the different facets of this important subject'

- Robert Fildes, Distinguished Professor, Lancaster University Centre for Forecasting, UK

'The second edition of this ground breaking book about consumer credit provides a huge breadth of interesting information about the role of credit and debt in modern society. Extremely informative, and an essential read for anyone looking for knowledge in this area - highly recommended'

Adrian Lingard, Jaywing, UK

'A fascinating and well written guide to the world of consumer credit. No other book provides so much information about this central pillar of our consumer orientated society'

- Nick Evans, Head of Risk and Analytics, Marks and Spencer Money, UK

'A must for senior managers in all consumer facing businesses. The practice and practicalities of consumer credit have a considerable influence on the way companies deal with their customers and this guide provides a complete overview of these, combined with an interesting history and social implications. Easily digested for such an involved subject'

- Graham Price, Head of Risk. JD Williams& Co. Ltd., UK

From the Publisher