“A new edition of Dennis Rosenthal's Consumer Credit Law and Practice - A Guide is always an event to be welcomed by the busy practitioner... In all this welter of regulation, there is a great need for a work which reduces the mass of case law and regulation covered in encyclopaedic works into a clear, concise and readable form which steers a way through the labyrinth. This is just such a book... It is to be warmly welcomed.” From the Foreword by Roy GoodeThe most useful and comprehensive single volume work on the subject of consumer credit. Consumer Credit Law and Practice - A Guide, Fifth Edition is an easily accessible guide covering all aspects of consumer credit, consumer hire and ancillary credit businesses. Written in a clear and penetrating style, the new fifth edition has been extensively updated and rewritten to take account of all relevant case law, legislative changes and developments, including: - coverage of EU Directives relating to alternative dispute resolution, supervision of credit institutions and consumer credit agreements for residential immovable property - the transfer of licensing from the OFT under CCA 1974 to authorisation and permission by the FCA under FSMA - the substitution of substantial parts of CCA 1974 and regulations under that Act, by FSMA, regulations under FSMA including RAO, and the FCA Handbook, in particular the Consumer Credit sourcebook (CONC) and the Mortgages and Home Finance Conduct of Business sourcebook (MCOB) - new chapters on FCA requirements and procedures relating to authorisation and permission, treating customers fairly, supervision and reporting, and alternative dispute resolution - developments in related areas such as data protection, fraud prevention and anti-money laundering Consumer Credit Law and Practice - A Guide, Fifth Edition is essential reading for: banking and commercial law practitioners; in-house lawyers; companies operating in consumer credit related industries, including banks and building societies, credit card companies, finance and leasing companies; compliance personnel; and consumer advisers.

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The new edition of Dennis Rosenthal's practical book builds on the previous edition to provide an source of reference. Changes in law and practice since the first edition are reflected in the work which offers the practitioner advice on all areas where consumer credit legislation now has a bearing including in-store cards, credit charges, marketing and fraud. A useful feature of the new edition is a checklist for advisement agreements, enabling the practitioner to draw up an agreement without missing critical elements plus new chapters on voluntary control and unfair contract terms.

Bank Regulation, Risk Management, and Compliance is a concise yet comprehensive treatment of the primary areas of US banking regulation – micro-prudential, macroprudential, financial consumer protection, and AML/CFT regulation – and their associated risk management and compliance systems. The book’s focus is the US, but its prolific use of standards published by the Basel Committee on Banking Supervision and frequent comparisons with UK and EU versions of US regulation offer a broad perspective on global bank regulation and expectations for internal governance. The book establishes a conceptual framework that helps readers to understand bank regulators’ expectations for the risk management and compliance functions. Informed by the author’s experience at a major credit rating agency in helping to design and implement a ratings compliance system, it explains how the banking business model, through credit extension and credit intermediation, creates the principal risks that regulation is designed to mitigate: credit, interest rate, market, and operational risk, and, more broadly, systemic risk. The book covers, in a single volume, the four areas of bank regulation and supervision and the associated regulatory expectations and firms’ governance systems. Readers desiring to study the subject in a unified manner have needed to separately consult specialized treatments of their areas of interest, resulting in a fragmented grasp of the subject matter. Banking regulation has a cohesive unity due in large part to national authorities’ agreement to follow global standards and to the homogenizing effects of the integrated global financial markets. The book is designed for legal, risk, and compliance banking professionals; students in law, business, and other finance-related graduate programs; and finance professionals generally who want a reference book on bank regulation, risk management, and compliance. It can serve both as a primer for entry-level finance professionals and as a reference guide for seasoned risk and compliance officials, senior management, and regulators and other policymakers. Although the book’s focus is bank regulation, its coverage of corporate governance, risk management, compliance, and management of conflicts of interest in financial institutions has broad application in other financial services sectors. Chapter 6 of this book is freely available as a downloadable Open Access PDF at http://www.taylorfrancis.com under a Creative Commons Attribution-Non Commercial-No Derivatives (CC-BY-NC-ND) 4.0 license.

Provide your patrons with shortcuts to the legal research resources they need! Federal Regulatory Research: Selected Agency Knowledge Paths presents sample pathfinders to help law librarians access and navigate the labyrinth of federal agency laws, regulations, interpretative releases, memoranda, and dockets. These “knowledge paths” represent the input of government, academic, and private law firm librarians with varied patron bases and institutional missions. The book provides access information to a wealth of quality sources, saving you the time—and trouble—of searching through endless hours of print and electronic resources. Federal Regulatory Research: Selected Agency Knowledge Paths identifies, describes, evaluates and locates the resources that busy attorneys and law students need to develop an organized approach to legal research. The book's contributors detail information found within a given resource (indexes, abstracts, catalogs), discussing entry and update factors that provide specific avenues of research, including: the United States Department of Education the United States Environmental Protection Agency the Federal Reserve System the Federal Trade Commission the United States Patent and Trademark Office the Federal Deposit Insurance Corporation and much more! Federal Regulatory Research: Selected Agency Knowledge Paths is a vital resource for law librarians in their quest to provide patrons with research guidance on legal and regulatory subjects.

Approx. 6.6% of credit cards (CC) were 30 or more days past due in the first qtr. of 2009 -- the highest rate in 18 years. To recover delinquent debt, CC issuers may use their own collection dept., outside collection agencies, collection law firms, or sell the debt. This report examined: (1) fed. and state consumer protections and enforcement respon. related to CC debt collection; (2) the practices involved in collecting and selling delinquent CC debt; and (3) issues that may exist related to some of these practices. To address these objectives, the author interviewed rep. from 6 large CC issuers, 6 third-party debt collection agencies, 6 debt buyers, two law firms, fed, and state agencies, and attorneys and organizations representing consumers and collectors. Illus.