The Unbanking of America: How the New Middle Class Survives
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Language: English
Published by Houghton Mifflin Harcourt, 2017
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- Title
- The Unbanking of America: How the New Middle Class Survives
- Author
- Servon, Lisa
- Publisher
- Houghton Mifflin Harcourt
- Publication year
- 2017
- Condition
- good
- Binding
- Hardcover
- Language
- English
- ISBN 10
- 0544602315
- ISBN 13
- 9780544602311
An urgent, absorbing exposé—why Americans are fleeing our broken banking system in growing numbers, and how alternatives are rushing in to do what banks once did
What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twenty-something graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Today nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their low- and middle-income customers, while serving only the wealthiest Americans.
What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twenty-something graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Today nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their low- and middle-income customers, while serving only the wealthiest Americans.
Lisa Servon delivers a stunning indictment of America’s banks, together with eye-opening dispatches from inside a range of banking alternatives that have sprung up to fill the void. She works as a teller at RiteCheck, a check-cashing business in the South Bronx, and as a payday lender in Oakland. She looks closely at the workings of a tanda, an informal lending club. And she delivers fascinating, hopeful portraits of the entrepreneurs reacting to the unbanking of America by designing systems to creatively serve many of us. Banks were once essential pillars of our lives; now we can no longer count on them to do right by us.
"Required reading for fans of muckraking authors like Barbara Ehrenreich, this fascinating look at the future of money management insists that the 'unbanked' are a sector deserving of respect and solid options." —Publishers Weekly, starred review
"Required reading for fans of muckraking authors like Barbara Ehrenreich, this fascinating look at the future of money management insists that the 'unbanked' are a sector deserving of respect and solid options." —Publishers Weekly, starred review
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About the Author
LISA SERVON is Professor of City and Regional Planning at the University of Pennsylvania and a former dean of the New School. Her work on consumer financial services has been published in the Wall Street Journal, the Atlantic online, and The New Yorker online, among many others. She lives in Brooklyn, New York.
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Greenworld Books
arlington, TX, U.S.A.
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AbeBooks seller since June 20, 2025
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