![]() (1975) Usury Ceilings as a Vehicle for Redistributing Personal Income Goudzwaard (March, 1968) “Price Ceilings and Credit Rationing,” Gordon (1970) The impact of a consumer credit interest limitation law, Washington State: initiative 245 (1975) Explicit and Implicit Costs of Personal Loans Under a Ten Per Cent Usury Ceiling: The Arkansas Market (1970) Home Mortgage Delinequency and Foreclosures (1970) Salt Lake City: Utah State Commissioner of Financial Institutions Johnson (1967) Regulation of Finance Charges on Consumer Instalment Credit Orgler (1975) Analytical methods in loan evaluation (1975) An Empirical Analysis of Retail Revolving Credit, Monograph No. Shay (1968) The Consumer Finance Industry: Its Costs and Regulation. (1975) Commercial Bank Response to a Low Usury Ceiling: Comparative Analysis of Arkansas Banks with Banks in Contiguous States," Southwestern (1974) Credit Discrimination: Hearings before the Subcommittee on Consumer Affairs of the Committee on Banking and Currency (1975) General Motors Acceptance Corporation (1975) Retail Store Credit Card Use in New York The Board of Governors of the Federal Reserve ![]() (1975) with the assistance of Edward DeSpain Retail Store Credit Card Use in New York, Studies in Consumer Credit No (1975) Dunkelberg in cooperation with Touche Ross & Co. Goudzwaard (1968) RATE CEILINGS, LOAN TURNDOWNS, AND CREDIT OPPORTUNITY Kawaja (1971) The regulation of the consumer finance industry : a case study of rate ceilings and loan limits in New York State 1976 Finance Facts Yearbook, Washington, D.C.: National Consumer Finance Association (1976) National Consumer Finance Association. (1971) Cost Analysis of Retail Store Revolving Credit: Fiscal Year 1970, State of Arizona and State of California (1975) Correspondence with Governor Henry C (1941) Risk Elements in Consumer Installment Financing, Financial Research Program, Studies in Consumer Installment Financing ![]() (1969) Economic Analysis of Credit Revenues and Costs in Department Stores " Consumer Credit at Ten Per Cent Simple : The Arkansas Case, " University of Illinois Law Forum ![]() ![]() Goudzwaard (1969) Consumer Credit Charges and Credit Availability (1976) Credit Policies and Store Locations in Arkansas Border Cities: Merchant Reactions to a 10 Percent Finance Charge Ceiling lp/wiley/the-equal-credit-opportunity-act-of-1974-a-cost-benefit-analysis-4efSMEAqzg Referencesĭurand (1942) Risk elements in consumer instalment financing The analysis does not cover the changes to the Act embodied in the Equal No criticism of the purpose of the Act is intended or implied. The following discussion is intended to analyze the benefits and costs to society from the implementation of the Act. Surely, this purpose represents a social equity which all persons support. The purpose of the Act is âto require that financial institutions and other firms engaged in the extension of credit make that credit equally available to all creditworthy customers without regard to sex or marital statusâ ([ 161, Section 502). On October 16, 1975, the Board published the final version (two previous versions had been published for comment on April 22 and September 5 ) of its Regulation B, âEqual Credit Opportunityâ. Rulemaking authority under the Act was assigned to the Board of Governors of the Federal Reserve System, and the Board was given one year to complete the assignment. THEEQUAL CREDIT OPPORTUNITY of 1974 (Titles V & VII of Public Law ACT 93-495) was signed into law by President Ford on Octo. MAY 1977 THE EQUAL CREDIT OPPORTUNITY ACT OF 1974: A COST/BENEFIT ANALYSIS JAMES SMITH* F. THE EQUAL CREDIT OPPORTUNITY ACT OF 1974: A COST/BENEFIT ANALYSIS THE EQUAL CREDIT OPPORTUNITY ACT OF 1974: A COST/BENEFIT ANALYSIS ![]()
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