Democracy declined : the failed politics of consumer financial protection /

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Bibliographic Details
Author / Creator:SoRelle, Mallory E., author.
Imprint:Chicago ; The University of Chicago Press, 2020.
©2020
Description:x, 291 pages : illustrations ; 23 cm.
Language:English
Series:Chicago studies in American politics
Chicago studies in American politics.
Subject:Consumer credit -- United States.
Consumer credit -- Political aspects -- United States.
Consumer protection -- United States.
Consumer credit.
Consumer protection.
United States.
Format: Print Book
URL for this record:http://pi.lib.uchicago.edu/1001/cat/bib/12637113
Hidden Bibliographic Details
ISBN:9780226711652
022671165X
9780226711799
022671179X
9780226711829
Notes:Includes bibliographical references and index.
Summary:"The American economy depends on the easy availability of consumer credit. However the danger of financial ruin from mounting debt, predatory lending, high interest rates, and exorbitant fees, is closely associated with this. Despite this threat, federal policymakers have largely failed to curb risky lending practices. Angry borrowers have focused their attention primarily on banks, lenders, and even trade associations, instead of demanding that lawmakers address predatory behavior on the part of lenders and advocacy groups have failed to mobilize borrowers in support of stronger consumer financial protections. The author argues that the politics of U.S. consumer protection, from mass political behavior to bureaucratic decision-making, can be explained by the historical evolution of consumer finance policies that were aimed at encouraging easy consumer credit in part by foregoing close regulation"--

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