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Synopsis
Loan sharks may conjure up an image of tough guys in fedoras looking to make a profit off of desperate people in dire financial straits, but in reality, lenders who advance small sums of cash at high interest rates until payday existed long before organized crime entered the trade. Today the businesses that fill this niche in the credit market prefer the name \u2018payday lendersÆ rather than loan sharks, but most large cities are still a hotbed of usurious lending, and the landscapes are dotted with their inviting and brightly colored storefronts. Despite their more respectable name, these predatory lenders have endured through regulation, prohibition, and the rise and fall of the mob since the late 1800s.In this intriguing and accessible book, Mayer aptly assesses the consequences of high-interest lending—both for the people who borrow at such steep prices and for society as a whole. He argues that although some consumers gain from borrowing at high rates, payday lending in its modern form consistently traps many of the wage earners who pawn their postdated checks, leaving them worse off than they were before. Because payday lending regulations vary widely throughout the country, Mayer chose to focus his story on Chicago, a city that serves as a fine representative of the legacy of loan sharking. Quick Cash will engage policy analysts, economists, and regional historians, as wells as general readers interested in the fascinating story behind these unscrupulous lending operations that feed off AmericaÆs current tough economic times.
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Book Description
An intriguing study of payday lending, loan sharks, and the consequences for the borrowers and society as a whole
About the Author
Robert Mayer is a professor of political science at Loyola University. He holds a Ph.D. in political theory from Princeton University.
"About this title" may belong to another edition of this title.
- PublisherNorthern Illinois University Press
- Publication date2010
- ISBN 10 0875804306
- ISBN 13 9780875804309
- BindingHardcover
- Edition number1
- Number of pages301
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Quick Cash: The Story of the Loan Shark
Published by
Northern Illinois University Press, 2010
ISBN 10: 0875804306
ISBN 13: 9780875804309
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Hardcover. Condition: Good. Dust Jacket Condition: Very Good. 1st Edition. Ex-library discard with markings. O/w very good. About the book Loan sharks may conjure up an image of tough guys in fedoras looking to make a profit off of desperate people in dire financial straits, but in reality, lenders who advance small sums of cash at high interest rates until payday existed long before organized crime entered the trade. Today the businesses that fill this niche in the credit market prefer the name \u2018payday lendersÆ rather than loan sharks, but most large cities are still a hotbed of usurious lending, and the landscapes are dotted with their inviting and brightly colored storefronts. Despite their more respectable name, these predatory lenders have endured through regulation, prohibition, and the rise and fall of the mob since the late 1800s.In this intriguing and accessible book, Mayer aptly assesses the consequences of high-interest lending?both for the people who borrow at such steep prices and for society as a whole. He argues that although some consumers gain from borrowing at high rates, payday lending in its modern form consistently traps many of the wage earners who pawn their postdated checks, leaving them worse off than they were before. Because payday lending regulations vary widely throughout the country, Mayer chose to focus his story on Chicago, a city that serves as a fine representative of the legacy of loan sharking. Quick Cash will engage policy analysts, economists, and regional historians, as wells as general readers interested in the fascinating story behind these unscrupulous lending operations that feed off AmericaÆs current tough economic times. Seller Inventory # 005914
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Quick Cash : The Story of the Loan Shark
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Quick Cash : The Story of the Loan Shark
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Quick Cash: The Story of the Loan Shark
Published by
Northern Illinois University Press, 2010
ISBN 10: 0875804306
ISBN 13: 9780875804309
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Hardcover. Condition: Good. 1. Loan sharks may conjure up an image of tough guys in fedoras looking to make a profit off of desperate people in dire financial straits; but in reality, lenders who advance small sums of cash at high interest rates until payday existed long before organized crime entered the trade. Today the businesses that fill this niche in the credit market prefer the name "payday lenders" rather than loan sharks, but most large cities are still a hotbed of usurious lending, and the landscapes are dotted with their inviting and brightly colored storefronts. Despite their more respectable name, these predatory lenders have endured through regulation, prohibition, and the rise and fall of the mob since the late 1800s. In this intriguing and accessible book, Mayer aptly assesses the consequences of high-interest lending-both for the people who borrow at such steep prices and for society as a whole. He argues that although some consumers gain from borrowing at high rates, payday lending in its modern form consistently traps many of the wage earners who pawn their postdated checks, leaving them worse off than they were before. Because payday lending regulations vary widely throughout the country, Mayer chose to focus his story on Chicago, a city that serves as a fine representative of the legacy of loan sharking. Quick Cash will engage policy analysts, economists, and regional historians, as wells as general readers interested in the fascinating story behind these unscrupulous lending operations that feed off America's current tough economic times. Seller Inventory # SONG0875804306
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