000			03433cam a2200409Ii 4500
001			on1035158306
003			OCoLC
005			20240726105102.0
008			180509s2018 mau ob 001 0 eng d
040			_aNT _beng _erda _epn _cNT _dNT _dJSTOR
020			_a9780674982048 _q((electronic)l(electronic)ctronic)
043			_an-us-ny
050	0	4	_aHG3711 _b.C589 2018
049			_aMAIN
100	1		_aFleming, Anne, _d1979- _e1
245	1	0	_aCity of debtors : _ba century of fringe finance / _cAnne Fleming.
260			_aCambridge, Massachusetts : _bHarvard University Press, _c(c)2018.
300			_a1 online resource (367 pages)
336			_atext _btxt _2rdacontent
337			_acomputer _bc _2rdamedia
338			_aonline resource _bcr _2rdacarrier
347			_adata file _2rda
520	0		_aSince the rise of the small-sum lending industry in the 1890s, people on the lowest rungs of the economic ladder in the United States have been asked to pay the greatest price for credit. Again and again, Americans have asked why the most fragile borrowers face the highest costs for access to the smallest loans. To protect low-wage workers in need of credit, reformers have repeatedly turned to law, only to face the vexing question of where to draw the line between necessary protection and overreaching paternalism. City of Debtors shows how each generation of Americans has tackled the problem of fringe finance, using law to redefine the meaning of justice within capitalism for those on the economic margins. Anne Fleming tells the story of the small-sum lending industry's growth and regulation from the ground up, following the people who navigated the market for small loans and those who shaped its development at the state and local level. Fleming's focus on the city and state of New York, which served as incubators for numerous lending reforms that later spread throughout the nation, differentiates her approach from work that has centered on federal regulation. It also reveals the overlooked challenges of governing a modern financial industry within a federalist framework. Fleming's detailed work contributes to the broader and ongoing debate about the meaning of justice within capitalistic societies, by exploring the fault line in the landscape of capitalism where poverty, the welfare state, and consumer credit converge.-- _cProvided by publisher.
504			_a2
505	0	0	_aLending in the shadow of the law -- _tFrom loan sharks to licensed lenders -- _tNew threats to an old deal -- _tBringing sales finance under law -- _tThe problem of the food freezer plan -- _tDue process in debt collection -- _tFinancial federalism.
530			_a2 _ub
650		0	_aCredit control _zNew York (State) _zNew York _xHistory.
650		0	_aCredit control _xLaw and legislation _zNew York (State) _zNew York _xHistory.
650		0	_aPredatory lending _zNew York (State) _zNew York _xHistory.
650		0	_aPredatory lending _xLaw and legislation _zNew York (State) _zNew York _xHistory.
650		0	_aUsury laws _zNew York (State) _zNew York.
655		1	_aElectronic Books.
856	4	0	_uhttps://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&db=nlabk&AN=1805097&site=eds-live&custid=s3260518 _zClick to access digital title | log in using your CIU ID number and my.ciu.edu password
942			_cOB _D _eEB _hHG. _m2018 _QOL _R _x _8NFIC _2LOC
994			_a92 _bNT
999			_c88486 _d88486
902			_a1 _bCynthia Snell _c1 _dCynthia Snell