000812894 000__ 03812cam\a2200505Ii\4500 000812894 001__ 812894 000812894 005__ 20210515142628.0 000812894 006__ m\\\\\o\\d\\\\\\\\ 000812894 007__ cr\cn\nnnunnun 000812894 008__ 180516s2018\\\\mau\\\\\ob\\\\001\0\eng\d 000812894 020__ $$a9780674982048$$q(electronic book) 000812894 020__ $$a0674982045$$q(electronic book) 000812894 020__ $$z9780674976238 000812894 020__ $$z0674976231 000812894 035__ $$a(OCoLC)on1035158306 000812894 035__ $$a(OCoLC)1035158306 000812894 035__ $$a812894 000812894 040__ $$aN$T$$beng$$erda$$epn$$cN$T$$dN$T$$dJSTOR$$dYDX$$dEBLCP 000812894 043__ $$an-us-ny 000812894 049__ $$aISEA 000812894 050_4 $$aHG3711.U6$$bF55 2018eb 000812894 08204 $$a332.709747/1$$223 000812894 1001_ $$aFleming, Anne,$$d1979-$$eauthor. 000812894 24510 $$aCity of debtors :$$ba century of fringe finance /$$cAnne Fleming. 000812894 264_1 $$aCambridge, Massachusetts :$$bHarvard University Press,$$c2018. 000812894 264_4 $$c©2018 000812894 300__ $$a1 online resource (367 pages) 000812894 336__ $$atext$$btxt$$2rdacontent 000812894 337__ $$acomputer$$bc$$2rdamedia 000812894 338__ $$aonline resource$$bcr$$2rdacarrier 000812894 504__ $$aIncludes bibliographical references and index. 000812894 5050_ $$aLending in the shadow of the law -- From loan sharks to licensed lenders -- New threats to an old deal -- Bringing sales finance under law -- The problem of the food freezer plan -- Due process in debt collection -- Financial federalism. 000812894 506__ $$aAccess limited to authorized users. 000812894 520__ $$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.--$$cProvided by publisher. 000812894 588__ $$aDescription based on print version record. 000812894 650_0 $$aCredit control$$zNew York (State)$$zNew York$$xHistory. 000812894 650_0 $$aCredit control$$xLaw and legislation$$zNew York (State)$$zNew York$$xHistory. 000812894 650_0 $$aPredatory lending$$zNew York (State)$$zNew York$$xHistory. 000812894 650_0 $$aPredatory lending$$xLaw and legislation$$zNew York (State)$$zNew York$$xHistory. 000812894 650_0 $$aUsury laws$$zNew York (State)$$zNew York. 000812894 77608 $$iPrint version:$$aFleming, Anne, 1979-$$tCity of debtors.$$dCambridge, Massachusetts : Harvard University Press, 2018$$z9780674976238$$w(DLC) 2017021520 000812894 852__ $$bacq 000812894 85280 $$bebk$$hEBSCOhost 000812894 85640 $$3eBooks on EBSCOhost$$uhttps://univsouthin.idm.oclc.org/login?url=http://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=1805097$$zOnline Access 000812894 909CO $$ooai:library.usi.edu:812894$$pGLOBAL_SET 000812894 980__ $$aEBOOK 000812894 980__ $$aBIB 000812894 982__ $$aEbook 000812894 983__ $$aOnline 000812894 994__ $$a92$$bISE