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Topic: Consumer Finance

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	Banks Target Nation's Lucrative Consumer Finance Market
		These factors combined have greatly hampered banks' enthusiasm in aggressively developing consumer finance products, especially when they are already facing the great challenge of so many non-performing loans on their books.
		On the demand side, consumers are possibly concerned by the thought of financing consumption by borrowing, a concept seemingly at odds with the Chinese tradition of financial prudence.
		However, consumer finance "bonds" will not necessarily be riskier than, say, the equity shares of a large Chinese industrial conglomerate, and the reasons are two-fold.
	www.china.org.cn /english/BAT/90357.htm (1523 words)

	FRB: Speech, Greenspan--Consumer finance--April 8, 2005
		Therefore, it is essential that policymakers, regulators, bankers, researchers, and consumer groups remain fully engaged in monitoring developments in the consumer finance market and continually seek to better understand the strengths and weaknesses of the financial services industry, including how well it serves lower-income and underserved consumers.
		Consumer advocates have raised concerns about the transparency and completeness of the information fit to the algorithm, as well as the rigidity of the types of data used to render credit decisions.
		Consumer advocates contend that the lack of flexibility in the models can result in the exclusion of some consumers, such as those with little or no credit history, or misrepresentation of the risk that they pose.
	www.federalreserve.gov /boarddocs/speeches/2005/20050408/default.htm (1696 words)

	Consumer Finance Administrative Interpretations
		G.S. 53-173(c) provides that if a judgment is obtained on a consumer finance debt of $3,000 or less, neither the judgment nor the loan shall carry, from the date of the judgment, interest in excess of 8% per annum.
		Thus, when a consumer finance licensee obtains a judgment against a consumer finance debtor, either a money judgment or property judgment, that judgment merges the debt and becomes the only evidence of the loan account.
		Following the entry of a property judgment, a consumer finance licensee must act promptly to dispose of the collateral property and credit the proceeds from disposition against the underlying debt.
	www.nccob.org /NCCOB/ConsumerIndustries/ConsumerFinance/ConsumerFinanceAdministrativeInterpretations.htm (1094 words)

	Consumer Finance Scams
		Consumers who face financial troubles, such as heavy debt, poor credit, or the need for substantial help for educational or personal finances, usually can least absorb the economic injury caused by fraud.
		Consumers are reassured that they have nothing to lose because they will get a refund if they are turned down.
		The FTC also produced creative consumer education materials that have been distributed to high schools and colleges throughout the country, including bookmarks and posters targeted to high school and college students and their parents, posters distributed to thousands of college bookstores, and flyers for college financial aid offices and high school guidance offices.
	www.ftc.gov /reports/Fraud/finance.htm (1193 words)

	Fact Sheet On Payday Loans
		Consumers Union, AARP and Consumer Action have sponsored California legislation to protect consumers by creating reasonable oversight of the "payday loan" industry.
		In fact, because most consumers believe they could be prosecuted for passing a bad check, the payday loan suddenly becomes their priority debt.
		Consumers obviously managed to deal with their debt for decades before anyone had heard of payday loans.
	www.consumersunion.org /finance/paydayfact.htm (1605 words)

	Consumer Finance Companies (Site not responding. Last check: 2007-09-11)
		Loans from consumer finance companies more often than not have higher interest rates and processing fees than the typical bank or credit union.
		Consumer finance companies can assume a slightly higher degree of risk because of the higher costs.
		Consumer finance companies are not usually the first choice for loans, as the higher costs make it harder for small businesses and entrepreneurs to be successful.
	www.marketmaker.org /Library/Debt_financing/Consumer_Finance_Comp.htm (106 words)

	consumer protection, finance, insurance, banking: Banknet India
		The set-up of consumer forum is geared to provide relief to both parties, and discourages long litigation.
		In the Complaint, consumer should mention clearly the name and address of the person who is complaining and against whom the complaint is being filed.
		The consumer must mention details of the problem and the demand on the company for redressal.
	www.banknetindia.com /finance/consumer.htm (602 words)

	McGlinchey Stafford Practice Area: Consumer Financial Services (Site not responding. Last check: 2007-09-11)
		Consumer lenders throughout the country often select this group to manage their national lending and finance projects.
		The Consumer Financial Services Group closely follows the latest developments in the law regulating consumer privacy and the sharing of consumer financial information to guide clients who are developing and implementing a compliant privacy policy.
		Our seamless, multi-disciplinary approach to consumer finance litigation is essential in developing litigation strategies and arguments at the earliest stages of a case.
	www.mcglinchey.com /practiceareas/practicearea.asp?select=84&x=72&y=5 (1388 words)

	Consumer finance - Wikipedia, the free encyclopedia
		However, in many countries some 'consumer finance' companies are little different from loan sharks, offering considerably higher interest rates than those available on other unsecured loans.
		A typical consumer finance office engages in some unsecured, and auto secured, but primarily home equity secured loans.
		Besides charging a higher interest rate compensating for their risk, consumer finance companies are usually able to operate successfully because their employees are given more flexibility in structuring loans and in collections than compared to banks.
	en.wikipedia.org /wiki/Consumer_finance (799 words)

	Consumer credit - Wex
		Credit allows consumers to finance transactions without having to pay the full cost of the merchandise at the time of the transaction.
		Its purpose is to protect consumers obtaining credit to finance their transactions, ensure that adequate credit is provided, and govern the credit industry in general.
		The Consumer Credit Protection Act also protects consumers from loan sharks, restricts the garnishing of wages, and established the National Commission on Consumer Finance to investigate the consumer finance industry.
	www.law.cornell.edu /topics/consumer_credit.html (506 words)

	Citigroup
		The consumer finance industry serves hard-working people, families and individuals in communities across the country.
		Most consumer finance loans are repaid by the borrowers as agreed.
		Consumers use the credit provided by consumer finance companies for many worthwhile purposes, including purchasing cars or appliances, paying medical expenses, covering college tuition, making home improvements and consolidating debts.
	www.citigroup.com /citigroup/citizen/consumerfinance/index.htm (1387 words)

	GE Thailand : Business Directory : GE Consumer Finance (Site not responding. Last check: 2007-09-11)
		Thailand's Consumer Finance business is a premier auto-loan provider and a leader in store credit cards, bank-issued international credit cards and consumer loans in Thailand.
		Consumer financing cards, such as MasterCard, Visa and other co-branded products, provide consumers with a revolving line of credit for purchases.
		Consumers choose how much of the account balance to pay off each month, subject to minimum payments.
	www.ge.com /tha/en/business/ge_con_finance.html (303 words)

	IFC Global Financial Markets - Consumer Finance
		Consumer finance companies are intermediaries that play an important role in the financial sector despite some significant limitations: they are either not allowed to take deposits from the public or have strict limits on their deposit-taking ability.
		Though these limitations result in higher funding costs, consumer finance companies can compete with banks by providing better service or flexible terms, by developing innovative products, serving higher risk clients, or pursuing other client-oriented strategies.
		IFC has been active in developing the consumer finance industry in developing countries for over two decades.
	www.ifc.org /ifcext/gfm.nsf/Content/ConsumerFinance (159 words)

	FLA :: Consumer finance :: Overview
		FLA members provided £60.1 billion to the consumer sector in 2005, which included 25.5% of all unsecured lending in the UK.
		FLA members financed at least 50% of all new car registrations in the UK in 2005.
		This site provides guidance for consumers on the types of finance products (explaining some of the words used), money advice, guidance on how credit decisions are taken and what happens when you want to repay your loan early.
	www.fla.org.uk /fla/consumerfinance/Consumerfinanceoverview.riv (310 words)

	Best consumer finance company (Site not responding. Last check: 2007-09-11)
		The company also is demonstrating a present load of the finances of 47,95 that it has gathered when in fact this account was paid extinguished the 5 of 2005 July.
		We financed our mortgage with them to discover only recently that she was one does not mortgage but a line of expandable credit.
		Also, when we tried "finances again" with them, the past month of December, its local office in the PA of Easton, helped us, I thought, and this they worked in him, and they would put a grasping in my payment to only obtain a warning of the execution of a mortgage in February.
	consumerfinancecompany.mypaybox.com /index.htm (2646 words)

	General Electric
		General Electric Capital Corporation is a global, diversified financial services company engaged in commercial finance, consumer finance, equipment management and insurance.
		With assets of approximately $500 billion, GE Capital serves consumer and businesses in 47 countries around the world.
		Engaged in commercial finance, consumer finance, equipment management and insurance General Electric Capital Corporation (GE Capital) is a global, diversified financial services company.
	www.gecapital.com (115 words)

	Oregon DFCS Consumer Finance
		Consumer finance licensees make consumer loans of $50,000 and less.
		Short Term Personal Loan licenses are issued under the consumer finance act to persons who make short-term, single-payment high interest rate loans to consumers.
		As of Dec. 31, 2005, consumer finance lenders representing 54 conventional lenders and 89 short-term lenders have a total of 631 licensed offices.
	www.cbs.state.or.us /external/dfcs/consumer_finance.html (333 words)

	California Department of Corporations - CALIFORNIA FINANCE LENDERS LAW
		The regulations under the California Finance Lenders Law are contained in Chapter 3, Title 10 of the California Code of Regulations, commencing with Section 1404 (10 C.C.R. §1404, et seq.).
		Finance lenders and brokers, by number of licensees and dollars of loans originated, are the largest group of financial service providers regulated by the Department.
		A finance lender is defined in the law as "any person who is engaged in the business of making consumer loans or making commercial loans." A finance lenders license provides the licensee with an exemption from the usury provision of the California Constitution.
	www.corp.ca.gov /pub/lender.htm (419 words)

	Japan's financial watchdog orders partial business suspension for GE Consumer Finance (Site not responding. Last check: 2007-09-11)
		GE Consumer Finance has acknowledged that it called a customer at work twice in April, even though the customer asked not to receive such contacts after the first call.
		Japan's consumer finance companies have been under fire recently as consumers and lawmakers accuse them of using overzealous loan collection practices and causing borrowers to become heavily indebted.
		GE Consumer Finance is the second major consumer lender recently reprimanded by the regulator.
	www.quote.com /qc/news/story.aspx?symbols=APONLINE:100&story=200610210534_APO_84614789 (308 words)

	Services - Consumer Finance Hub
		Consumer Finance Hub examines service providers in related industries: Credit, Debt and Finance.
		The service providers within our network are chosen for their strength of character, proven track record within the specific industry and the financial strength of the company (view criteria).
		Consumer Finance Hub receives no compensation whatsoever when a consumer chooses to engage the services of the professionals within our network.
	www.consumerfinancehub.com /Services (164 words)

	GE Consumer Finance
		GE Consumer Finance operates across a number of product lines in Australia and New Zealand and these include auto finance, personal loans, credit cards and store cards, sales finance, mortgages, and credit insurance.
		After entering the Australian market in 1995, GE Consumer Finance has grown more than 25% annually, and now has assets of over $11 Billion, with 3,500 employees in over 150 locations across Australia and New Zealand.
		GE Consumer Finance views Melbourne as one of the great financial centres in the Asia Pacific region, hence a growing relationship with the city which:
	invest.vic.gov.au /News/Case+Studies/GE+Consumer+Finance.htm (461 words)

	GE Consumer Finance Careers. (Site not responding. Last check: 2007-09-11)
		With nearly $70 billion in assets, GE Consumer Finance is a global leader providing credit services to customers, retailers and auto dealers in more than 35 countries around the world.
		In 1932, GE Card Services was formed to provide consumer financing for GE appliances.
		Recently, we've reorganized our financial services, creating GE Consumer Finance, Americas, combining the former GE Card Services and GE Global Consumer Finance.
	www.geconsumercareers.com /about_us.html (209 words)

	Consumer-Driven Finance (Site not responding. Last check: 2007-09-11)
		So, this edition of Consumer-Driven Finance will look at ways individual health care consumers can take the initiative and make preemptive strides against medical debt by personally negotiating the prices of expensive medical procedures with big health care providers in the same way everybody else negotiates prices when buying cars and homes.
		As more individuals opt for personal finance features like HSAs when buying their health insurance and health care, more individuals will realize it’s time to start approaching health care purchases with the same responsibility with which we approach purchases like cars and homes.
		This will be a godsend to the millions of individual health care consumers forced to personally deal with the absolute mess that is the modern medical financing system.
	marketplace.md /community/blogs/mmd4/default.aspx (796 words)

	GE Consumer Finance - Wikipedia, the free encyclopedia
		GE Consumer Finance is the division of General Electric (GE) responsible for managing retail finance operations, including GE Money.
		GE Capital Asia is also managed under GE Consumer Finance.
		Formerly a unit of (and still often thought of as being part of) GE Capital, GE Consumer Finance is now one of six major operating divisions of GE.
	en.wikipedia.org /wiki/GE_Consumer_Finance (115 words)

	Consumer Finance Companies, Office of Financial Regulation (Site not responding. Last check: 2007-09-11)
		This license authorizes the holder to solicit, make and collect loans to consumers in this state for an amount not exceeding $25,000 and with a maximum interest rate of 30% percent per annum.
		A person may loan money to others, when the per annum percentage rate does not exceed 18 percent, without having a consumer finance license.
		However, Chapter 494.006(1)(h), F.S., states that a consumer finance company, duly licensed as of October 1, 1991, is exempt from the Mortgage Lending Act.
	www.flofr.com /licensing/licensing-e.htm (321 words)

	General Electric : Financial Services (Site not responding. Last check: 2007-09-11)
		GE provides financial products and services both direct to consumers, as well as via retail partners and brokers.
		GE is bringing Six Sigma to Red Robin restaurants to help shake wait times on their world-renowned milkshakes.
		GE financing solutions help fund the expansion of a Harley-Davidson® dealership.
	www.ge.com /en/financial/index.htm (202 words)

	business_fin_con.html
		As a consumer, you have certain rights and financial institutions have responsibilities, regarding e-transactions on your account.
		NCLC is the nation's consumer law expert, helping consumers, their advocates, and public policy makers to use powerful and complex consumer laws on behalf of low-income Americans seeking economic justice.
		PIRGs is a consumer advocacy against rising bank fees, theft of financial identity, dangerous products, and the tobacco industry's marketing to children.
	www.kvista.com /business_fin_con.html (592 words)

	GE Consumer Finance
		GE Capital, now GE Consumer Finance, was created in the 1930s to help our customers who needed appliances during the depth of the Depression.
		In the 1960s we began to diversify into consumer, commercial and industrial markets.
		From Six Sigma to Inventory Financing, find out what we're doing to remain a leader in the industry.
	www.ge-stock.com /geconsumerfinance/AboutConsFinance/Overview.htm (153 words)

	Credit card disputes most common complaint: consumer finance. 13/11/2006. ABC News Online
		Credit card disputes most common complaint: consumer finance.
		New figures show credit card disputes are the most common consumer complaint made to the Banking and Financial Services Ombudsman.
		Credit card problems made up two-thirds of consumer finance complaints in the past year.
	www.abc.net.au /news/newsitems/200611/s1787087.htm (266 words)

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