Consumer credit regulation : credit cards, payday loans, auto finance, and other non-mortgage credit / Carolyn L. Carter, Elizabeth Renuart, Andrew G. Pizor, Jonathan Sheldon ; contributing authors: Chi Chi Wu, Persis S. Yu, John W. Van Alst, Jeremiah Battle Jr., Emily Green Caplan, Alys Cohen, Lauren K. Saunders, Arielle Cohen.
Background -- Statutes restricting credit terms -- Federal preemption and the applicable state statute -- Interest, points, fees, and delinquency charges -- Credit math: calculating interest and rebates -- Credit insurance and debt protection products -- Litigation -- Credit cards: abuses, regulation, and state law claims -- Payday loans -- Installment loans -- Motor vehicle, manufactured home and other installment sales -- Auto title loans -- Rent-to-own -- "Sale" of future payment streams -- Tax-time financial products: RALs, RACs and Assignments-- Appendices.
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