000			03677nam a2200493 i 4500
001			9781509939381
003			CaBNVSL
005			20240320163620.0
006			m o d
007			cr cn||||m|||a
008			220102s2022 enk ob 101 0 eng d
020			_a9781509939381 _q(online)
020			_a9781509939374 _q(ePub)
020			_z9781509939350 _q(hardback)
024	7		_a10.5040/9781509939381 _2doi
035			_a(OCoLC)1291219863
040			_aCaBNVSL _beng _erda _cCaBNVSL _dCaBNVSL
050		4	_aK1095 _b.G275 2022eb
082	0	4	_a346.073 _223
100	1		_aGardner, Jodi, _eauthor.
245	1	4	_aThe future of high-cost credit : _brethinking payday lending / _cJodi Gardner.
250			_aFirst edition.
264		1	_aLondon [England] : _bHart Publishing, _c2022
264		2	_a[London, England] : _bBloomsbury Publishing, _c2022
300			_a1 online resource (208 pages).
336			_atext _2rdacontent
337			_acomputer _2rdamedia
338			_aonline resource _2rdacarrier
490	1		_aHart Studies in Commercial and Financial Law.
504			_aIncludes bibliographical references and index.
505	0		_aIntroduction -- Part I - Philosophical Context: The Concepts of High-Cost Credit -- 1. Freedom -- 2. Regulation -- 3. Social Minimums Part II - The Social Context: Identifying High-Cost Credit Borrowers -- 4. Methodology -- 5. A Typology of Borrowers -- 6. Debtors: The Lived Experience -- Conclusion and Future Agenda -- Bibliography -- Index
506			_aAbstract freely available; full-text restricted to individual document purchasers.
520			_a"This book proposes a new way of thinking about the controversial and complex challenges associated with the regulation of high-cost credit, specifically payday lending. These products have received significant attention in both the media and political arena. The inadequacy of regulatory interventions has created ongoing problems with the provision of high-cost credit, particularly for consumers with lesser bargaining power and who are already financially vulnerable. The book tackles two specific gaps in the existing literature. The first involves inadequate analysis of the relevant philosophical concepts around high-cost credit, which can result in an over-simplification of what are particularly complex issues. The second is a lack of engagement in both the market and lived experience of borrowers, resulting in limited understanding of those who use these financial products. The Future of High-Cost Credit explores the theoretical grounding, policy initiatives and interdisciplinary perspectives associated with high-cost credit, making a novel and insightful contribution to the existing literature. The problems with debt extend far beyond the legal sphere, and the book will therefore be of interest to many other academic disciplines, as well as for those working in public policy and 'the third sector'."-- _cProvided by publisher.
532	0		_aCompliant with Level AA of the Web Content Accessibility Guidelines. Content is displayed as HTML full text which can easily be resized or read with assistive technology, with mark-up that allows screen readers and keyboard-only users to navigate easily.
538			_aMode of access: World Wide Web.
650		0	_aUsury laws.
650		0	_aUsury.
650		0	_aConsumer credit.
655		4	_aElectronic books.
776	0	8	_iPrint version: _z9781509939350
830		0	_aHart Studies in Commercial and Financial Law
856	4	0	_3Abstract with links to full text _uhttps://doi.org/10.5040/9781509939381?locatt=label:secondary_bloomsburyCollections _qtext/html
975			_aHart Publishing 2022
999			_c10728 _d10728