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Table Of Contents

I.THEPROBLEM
1. The Limits of Learning
3. Why Sellers Do Not Educate Consumers
5. Who Knows the Most About Me?
1. Survey Evidence
2. Consumer Behavior
c. Payday Loans
3. Product Design
i. Long-Term Interest Rates
ii. Penalty Fees and Rates
iii. Other Fees
iv. Introductory Rates
v. Additional Design Features
i. Deferred Costs
ii. Proliferation of Fees
C. The Harm: Implications of Credit Market Failure
1. Harm to Consumers
2. Externalities
a. The Cost of Financial Distress
b. Market Distortions
3. Distributional Concerns
A. Existing Responses and Why They Failed
1. Ex Post Judicial Intervention
a. Existing Ex Post Solutions
b. The Failure of Existing Ex Post Solutions
i. Institutional Competence
ii. Doctrinal Limitations
iii. Procedural Barriers
2. Ex Ante Regulation
a.The Erosion of State Power
c. Mismatch of Authority and Motivation
B. A New Proposal
CONCLUSION
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Elizabeth Warren- Making Credit Safer

Elizabeth Warren- Making Credit Safer

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Published by Heather

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Categories:Business/Law
Published by: Heather on Sep 21, 2010
Copyright:Attribution Non-commercial

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11/01/2011

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