How the other half banks :: exclusion, exploitation, and the threat to democracy /
"The United States has two separate banking systems today -- one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examine...
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Cambridge, Massachusetts :
Harvard University Press,
2015.
|
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Zusammenfassung: | "The United States has two separate banking systems today -- one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities -- all thanks to deregulation that began in the 1970s and continues decades later. / In an age of corporate megabanks with trillions of dollars in assets, it is easy to forget that America's banking system was originally created as a public service. Banks have always relied on credit from the federal government, provided on favorable terms so that they could issue low-interest loans. But as banks grew in size and political influence, they shed their social contract with the American people, demanding to be treated as a private industry free from any public-serving responsibility. They abandoned less profitable, low-income customers in favor of wealthier clients and high-yield investments. Fringe lenders stepped in to fill the void. This two-tier banking system has become even more unequal since the 2008 financial crisis. /Baradaran proposes a solution: reenlisting the U.S. Post Office in its historic function of providing bank services. The post office played an important but largely forgotten role in the creation of American democracy, and it could be deployed again to level the field of financial opportunity."--Book jacket. |
| Beschreibung: | 1 online resource (328 pages) |
| Bibliographie: | Includes bibliographical references and index. |
| ISBN: | 9780674495425 067449542X 9780674495449 0674495446 |
Internformat
MARC
| LEADER | 00000cam a2200000 i 4500 | ||
|---|---|---|---|
| 001 | ZDB-4-EBA-ocn927140580 | ||
| 003 | OCoLC | ||
| 005 | 20241004212047.0 | ||
| 006 | m o d | ||
| 007 | cr cnu---unuuu | ||
| 008 | 151029t20152015mau ob 001 0 eng d | ||
| 010 | |a 2015008022 | ||
| 040 | |a N$T |b eng |e rda |e pn |c N$T |d N$T |d CDX |d YDXCP |d ZCU |d EBLCP |d IDB |d AGLDB |d IAT |d RRP |d DEGRU |d OCLCF |d OCLCQ |d STF |d G3B |d JBG |d IGB |d OL$ |d JSTOR |d WAU |d UX1 |d TEFOD |d INARC |d OCLCO |d OCLCQ |d OCLCO |d OCLCL |d PUL |d OCLCQ | ||
| 019 | |a 984656955 |a 992902831 |a 1175620481 | ||
| 020 | |a 9780674495425 |q (electronic book) | ||
| 020 | |a 067449542X |q (electronic book) | ||
| 020 | |a 9780674495449 |q (electronic bk.) | ||
| 020 | |a 0674495446 |q (electronic bk.) | ||
| 020 | |z 9780674286061 |q (cloth) | ||
| 020 | |z 0674286065 |q (cloth) | ||
| 024 | 7 | |a 10.4159/9780674495425 |2 doi | |
| 035 | |a (OCoLC)927140580 |z (OCoLC)984656955 |z (OCoLC)992902831 |z (OCoLC)1175620481 | ||
| 037 | |a 22573/ctvjj399f |b JSTOR | ||
| 037 | |a 71FC226C-4ABC-4812-99F2-A9A1B5F4ADB7 |b OverDrive, Inc. |n http://www.overdrive.com | ||
| 041 | 7 | |a eng |2 iso639-3 | |
| 043 | |a n-us--- | ||
| 050 | 4 | |a HG2491 |b .B269 2015eb | |
| 072 | 7 | |a BUS |x 027000 |2 bisacsh | |
| 072 | 7 | |a BUS |x 004000 |2 bisacsh | |
| 072 | 7 | |a BUS |x 023000 |2 bisacsh | |
| 072 | 7 | |a POL |x 024000 |2 bisacsh | |
| 072 | 7 | |a HIS |x 036000 |2 bisacsh | |
| 082 | 7 | |a 332.10973 |2 23 | |
| 049 | |a MAIN | ||
| 100 | 1 | |a Baradaran, Mehrsa, |d 1978- |e author. |1 https://id.oclc.org/worldcat/entity/E39PBJth4WrfgmyP7gqvrQvCQq |0 http://id.loc.gov/authorities/names/n2015013070 | |
| 245 | 1 | 0 | |a How the other half banks : |b exclusion, exploitation, and the threat to democracy / |c Mehrsa Baradaran. |
| 264 | 1 | |a Cambridge, Massachusetts : |b Harvard University Press, |c 2015. | |
| 264 | 4 | |c ©2015 | |
| 300 | |a 1 online resource (328 pages) | ||
| 336 | |a text |b txt |2 rdacontent | ||
| 337 | |a computer |b c |2 rdamedia | ||
| 338 | |a online resource |b cr |2 rdacarrier | ||
| 347 | |a text file |b PDF |2 rda | ||
| 504 | |a Includes bibliographical references and index. | ||
| 505 | 0 | |a Governments and banks -- History of the social contract -- Banks with a soul -- How the other half borrows -- Unbanked and unwanted -- Changing the world without changing the rules -- Postal banking -- A public option in banking. | |
| 520 | |a "The United States has two separate banking systems today -- one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities -- all thanks to deregulation that began in the 1970s and continues decades later. / In an age of corporate megabanks with trillions of dollars in assets, it is easy to forget that America's banking system was originally created as a public service. Banks have always relied on credit from the federal government, provided on favorable terms so that they could issue low-interest loans. But as banks grew in size and political influence, they shed their social contract with the American people, demanding to be treated as a private industry free from any public-serving responsibility. They abandoned less profitable, low-income customers in favor of wealthier clients and high-yield investments. Fringe lenders stepped in to fill the void. This two-tier banking system has become even more unequal since the 2008 financial crisis. /Baradaran proposes a solution: reenlisting the U.S. Post Office in its historic function of providing bank services. The post office played an important but largely forgotten role in the creation of American democracy, and it could be deployed again to level the field of financial opportunity."--Book jacket. | ||
| 546 | |a In English. | ||
| 588 | 0 | |a Print version record. | |
| 650 | 0 | |a Banks and banking |x Social aspects |z United States. | |
| 650 | 0 | |a Financial services industry |z United States. | |
| 650 | 0 | |a Check cashing services |z United States. | |
| 650 | 0 | |a Postal savings banks |z United States. | |
| 650 | 6 | |a Services financiers |z États-Unis. | |
| 650 | 6 | |a Services d'encaissement de chèques |z États-Unis. | |
| 650 | 6 | |a Caisses d'épargne postales |z États-Unis. | |
| 650 | 7 | |a BUSINESS & ECONOMICS |x Finance. |2 bisacsh | |
| 650 | 7 | |a BUSINESS & ECONOMICS / Banks & Banking |2 bisacsh | |
| 650 | 7 | |a Banks and banking |x Social aspects |2 fast | |
| 650 | 7 | |a Check cashing services |2 fast | |
| 650 | 7 | |a Financial services industry |2 fast | |
| 650 | 7 | |a Postal savings banks |2 fast | |
| 651 | 7 | |a United States |2 fast |1 https://id.oclc.org/worldcat/entity/E39PBJtxgQXMWqmjMjjwXRHgrq | |
| 776 | 0 | 8 | |i Print version: |a Baradaran, Mehrsa, 1978- |t How the other half banks. |d Cambridge, Massachusetts : Harvard University Press, 2015 |z 9780674286061 |w (DLC) 2015008022 |w (OCoLC)904801185 |
| 856 | 4 | 0 | |l FWS01 |p ZDB-4-EBA |q FWS_PDA_EBA |u https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=1086468 |3 Volltext |
| 938 | |a Internet Archive |b INAR |n howotherhalfbank0000bara | ||
| 938 | |a Coutts Information Services |b COUT |n 32993227 | ||
| 938 | |a De Gruyter |b DEGR |n 9780674495425 | ||
| 938 | |a EBL - Ebook Library |b EBLB |n EBL4404063 | ||
| 938 | |a EBSCOhost |b EBSC |n 1086468 | ||
| 938 | |a YBP Library Services |b YANK |n 12473134 | ||
| 994 | |a 92 |b GEBAY | ||
| 912 | |a ZDB-4-EBA | ||
| 049 | |a DE-863 | ||
Datensatz im Suchindex
| DE-BY-FWS_katkey | ZDB-4-EBA-ocn927140580 |
|---|---|
| _version_ | 1816882327904583680 |
| adam_text | |
| any_adam_object | |
| author | Baradaran, Mehrsa, 1978- |
| author_GND | http://id.loc.gov/authorities/names/n2015013070 |
| author_facet | Baradaran, Mehrsa, 1978- |
| author_role | aut |
| author_sort | Baradaran, Mehrsa, 1978- |
| author_variant | m b mb |
| building | Verbundindex |
| bvnumber | localFWS |
| callnumber-first | H - Social Science |
| callnumber-label | HG2491 |
| callnumber-raw | HG2491 .B269 2015eb |
| callnumber-search | HG2491 .B269 2015eb |
| callnumber-sort | HG 42491 B269 42015EB |
| callnumber-subject | HG - Finance |
| collection | ZDB-4-EBA |
| contents | Governments and banks -- History of the social contract -- Banks with a soul -- How the other half borrows -- Unbanked and unwanted -- Changing the world without changing the rules -- Postal banking -- A public option in banking. |
| ctrlnum | (OCoLC)927140580 |
| dewey-full | 332.10973 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 332 - Financial economics |
| dewey-raw | 332.10973 |
| dewey-search | 332.10973 |
| dewey-sort | 3332.10973 |
| dewey-tens | 330 - Economics |
| discipline | Wirtschaftswissenschaften |
| format | Electronic eBook |
| fullrecord | <?xml version="1.0" encoding="UTF-8"?><collection xmlns="http://www.loc.gov/MARC21/slim"><record><leader>05439cam a2200817 i 4500</leader><controlfield tag="001">ZDB-4-EBA-ocn927140580</controlfield><controlfield tag="003">OCoLC</controlfield><controlfield tag="005">20241004212047.0</controlfield><controlfield tag="006">m o d </controlfield><controlfield tag="007">cr cnu---unuuu</controlfield><controlfield tag="008">151029t20152015mau ob 001 0 eng d</controlfield><datafield tag="010" ind1=" " ind2=" "><subfield code="a"> 2015008022</subfield></datafield><datafield tag="040" ind1=" " ind2=" "><subfield code="a">N$T</subfield><subfield code="b">eng</subfield><subfield code="e">rda</subfield><subfield code="e">pn</subfield><subfield code="c">N$T</subfield><subfield code="d">N$T</subfield><subfield code="d">CDX</subfield><subfield code="d">YDXCP</subfield><subfield code="d">ZCU</subfield><subfield code="d">EBLCP</subfield><subfield code="d">IDB</subfield><subfield code="d">AGLDB</subfield><subfield code="d">IAT</subfield><subfield code="d">RRP</subfield><subfield code="d">DEGRU</subfield><subfield code="d">OCLCF</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">STF</subfield><subfield code="d">G3B</subfield><subfield code="d">JBG</subfield><subfield code="d">IGB</subfield><subfield code="d">OL$</subfield><subfield code="d">JSTOR</subfield><subfield code="d">WAU</subfield><subfield code="d">UX1</subfield><subfield code="d">TEFOD</subfield><subfield code="d">INARC</subfield><subfield code="d">OCLCO</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">OCLCO</subfield><subfield code="d">OCLCL</subfield><subfield code="d">PUL</subfield><subfield code="d">OCLCQ</subfield></datafield><datafield tag="019" ind1=" " ind2=" "><subfield code="a">984656955</subfield><subfield code="a">992902831</subfield><subfield code="a">1175620481</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">9780674495425</subfield><subfield code="q">(electronic book)</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">067449542X</subfield><subfield code="q">(electronic book)</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">9780674495449</subfield><subfield code="q">(electronic bk.)</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">0674495446</subfield><subfield code="q">(electronic bk.)</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="z">9780674286061</subfield><subfield code="q">(cloth)</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="z">0674286065</subfield><subfield code="q">(cloth)</subfield></datafield><datafield tag="024" ind1="7" ind2=" "><subfield code="a">10.4159/9780674495425</subfield><subfield code="2">doi</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(OCoLC)927140580</subfield><subfield code="z">(OCoLC)984656955</subfield><subfield code="z">(OCoLC)992902831</subfield><subfield code="z">(OCoLC)1175620481</subfield></datafield><datafield tag="037" ind1=" " ind2=" "><subfield code="a">22573/ctvjj399f</subfield><subfield code="b">JSTOR</subfield></datafield><datafield tag="037" ind1=" " ind2=" "><subfield code="a">71FC226C-4ABC-4812-99F2-A9A1B5F4ADB7</subfield><subfield code="b">OverDrive, Inc.</subfield><subfield code="n">http://www.overdrive.com</subfield></datafield><datafield tag="041" ind1=" " ind2="7"><subfield code="a">eng</subfield><subfield code="2">iso639-3</subfield></datafield><datafield tag="043" ind1=" " ind2=" "><subfield code="a">n-us---</subfield></datafield><datafield tag="050" ind1=" " ind2="4"><subfield code="a">HG2491</subfield><subfield code="b">.B269 2015eb</subfield></datafield><datafield tag="072" ind1=" " ind2="7"><subfield code="a">BUS</subfield><subfield code="x">027000</subfield><subfield code="2">bisacsh</subfield></datafield><datafield tag="072" ind1=" " ind2="7"><subfield code="a">BUS</subfield><subfield code="x">004000</subfield><subfield code="2">bisacsh</subfield></datafield><datafield tag="072" ind1=" " ind2="7"><subfield code="a">BUS</subfield><subfield code="x">023000</subfield><subfield code="2">bisacsh</subfield></datafield><datafield tag="072" ind1=" " ind2="7"><subfield code="a">POL</subfield><subfield code="x">024000</subfield><subfield code="2">bisacsh</subfield></datafield><datafield tag="072" ind1=" " ind2="7"><subfield code="a">HIS</subfield><subfield code="x">036000</subfield><subfield code="2">bisacsh</subfield></datafield><datafield tag="082" ind1="7" ind2=" "><subfield code="a">332.10973</subfield><subfield code="2">23</subfield></datafield><datafield tag="049" ind1=" " ind2=" "><subfield code="a">MAIN</subfield></datafield><datafield tag="100" ind1="1" ind2=" "><subfield code="a">Baradaran, Mehrsa,</subfield><subfield code="d">1978-</subfield><subfield code="e">author.</subfield><subfield code="1">https://id.oclc.org/worldcat/entity/E39PBJth4WrfgmyP7gqvrQvCQq</subfield><subfield code="0">http://id.loc.gov/authorities/names/n2015013070</subfield></datafield><datafield tag="245" ind1="1" ind2="0"><subfield code="a">How the other half banks :</subfield><subfield code="b">exclusion, exploitation, and the threat to democracy /</subfield><subfield code="c">Mehrsa Baradaran.</subfield></datafield><datafield tag="264" ind1=" " ind2="1"><subfield code="a">Cambridge, Massachusetts :</subfield><subfield code="b">Harvard University Press,</subfield><subfield code="c">2015.</subfield></datafield><datafield tag="264" ind1=" " ind2="4"><subfield code="c">©2015</subfield></datafield><datafield tag="300" ind1=" " ind2=" "><subfield code="a">1 online resource (328 pages)</subfield></datafield><datafield tag="336" ind1=" " ind2=" "><subfield code="a">text</subfield><subfield code="b">txt</subfield><subfield code="2">rdacontent</subfield></datafield><datafield tag="337" ind1=" " ind2=" "><subfield code="a">computer</subfield><subfield code="b">c</subfield><subfield code="2">rdamedia</subfield></datafield><datafield tag="338" ind1=" " ind2=" "><subfield code="a">online resource</subfield><subfield code="b">cr</subfield><subfield code="2">rdacarrier</subfield></datafield><datafield tag="347" ind1=" " ind2=" "><subfield code="a">text file</subfield><subfield code="b">PDF</subfield><subfield code="2">rda</subfield></datafield><datafield tag="504" ind1=" " ind2=" "><subfield code="a">Includes bibliographical references and index.</subfield></datafield><datafield tag="505" ind1="0" ind2=" "><subfield code="a">Governments and banks -- History of the social contract -- Banks with a soul -- How the other half borrows -- Unbanked and unwanted -- Changing the world without changing the rules -- Postal banking -- A public option in banking.</subfield></datafield><datafield tag="520" ind1=" " ind2=" "><subfield code="a">"The United States has two separate banking systems today -- one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities -- all thanks to deregulation that began in the 1970s and continues decades later. / In an age of corporate megabanks with trillions of dollars in assets, it is easy to forget that America's banking system was originally created as a public service. Banks have always relied on credit from the federal government, provided on favorable terms so that they could issue low-interest loans. But as banks grew in size and political influence, they shed their social contract with the American people, demanding to be treated as a private industry free from any public-serving responsibility. They abandoned less profitable, low-income customers in favor of wealthier clients and high-yield investments. Fringe lenders stepped in to fill the void. This two-tier banking system has become even more unequal since the 2008 financial crisis. /Baradaran proposes a solution: reenlisting the U.S. Post Office in its historic function of providing bank services. The post office played an important but largely forgotten role in the creation of American democracy, and it could be deployed again to level the field of financial opportunity."--Book jacket.</subfield></datafield><datafield tag="546" ind1=" " ind2=" "><subfield code="a">In English.</subfield></datafield><datafield tag="588" ind1="0" ind2=" "><subfield code="a">Print version record.</subfield></datafield><datafield tag="650" ind1=" " ind2="0"><subfield code="a">Banks and banking</subfield><subfield code="x">Social aspects</subfield><subfield code="z">United States.</subfield></datafield><datafield tag="650" ind1=" " ind2="0"><subfield code="a">Financial services industry</subfield><subfield code="z">United States.</subfield></datafield><datafield tag="650" ind1=" " ind2="0"><subfield code="a">Check cashing services</subfield><subfield code="z">United States.</subfield></datafield><datafield tag="650" ind1=" " ind2="0"><subfield code="a">Postal savings banks</subfield><subfield code="z">United States.</subfield></datafield><datafield tag="650" ind1=" " ind2="6"><subfield code="a">Services financiers</subfield><subfield code="z">États-Unis.</subfield></datafield><datafield tag="650" ind1=" " ind2="6"><subfield code="a">Services d'encaissement de chèques</subfield><subfield code="z">États-Unis.</subfield></datafield><datafield tag="650" ind1=" " ind2="6"><subfield code="a">Caisses d'épargne postales</subfield><subfield code="z">États-Unis.</subfield></datafield><datafield tag="650" ind1=" " ind2="7"><subfield code="a">BUSINESS & ECONOMICS</subfield><subfield code="x">Finance.</subfield><subfield code="2">bisacsh</subfield></datafield><datafield tag="650" ind1=" " ind2="7"><subfield code="a">BUSINESS & ECONOMICS / Banks & Banking</subfield><subfield code="2">bisacsh</subfield></datafield><datafield tag="650" ind1=" " ind2="7"><subfield code="a">Banks and banking</subfield><subfield code="x">Social aspects</subfield><subfield code="2">fast</subfield></datafield><datafield tag="650" ind1=" " ind2="7"><subfield code="a">Check cashing services</subfield><subfield code="2">fast</subfield></datafield><datafield tag="650" ind1=" " ind2="7"><subfield code="a">Financial services industry</subfield><subfield code="2">fast</subfield></datafield><datafield tag="650" ind1=" " ind2="7"><subfield code="a">Postal savings banks</subfield><subfield code="2">fast</subfield></datafield><datafield tag="651" ind1=" " ind2="7"><subfield code="a">United States</subfield><subfield code="2">fast</subfield><subfield code="1">https://id.oclc.org/worldcat/entity/E39PBJtxgQXMWqmjMjjwXRHgrq</subfield></datafield><datafield tag="776" ind1="0" ind2="8"><subfield code="i">Print version:</subfield><subfield code="a">Baradaran, Mehrsa, 1978-</subfield><subfield code="t">How the other half banks.</subfield><subfield code="d">Cambridge, Massachusetts : Harvard University Press, 2015</subfield><subfield code="z">9780674286061</subfield><subfield code="w">(DLC) 2015008022</subfield><subfield code="w">(OCoLC)904801185</subfield></datafield><datafield tag="856" ind1="4" ind2="0"><subfield code="l">FWS01</subfield><subfield code="p">ZDB-4-EBA</subfield><subfield code="q">FWS_PDA_EBA</subfield><subfield code="u">https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=1086468</subfield><subfield code="3">Volltext</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">Internet Archive</subfield><subfield code="b">INAR</subfield><subfield code="n">howotherhalfbank0000bara</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">Coutts Information Services</subfield><subfield code="b">COUT</subfield><subfield code="n">32993227</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">De Gruyter</subfield><subfield code="b">DEGR</subfield><subfield code="n">9780674495425</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">EBL - Ebook Library</subfield><subfield code="b">EBLB</subfield><subfield code="n">EBL4404063</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">EBSCOhost</subfield><subfield code="b">EBSC</subfield><subfield code="n">1086468</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">YBP Library Services</subfield><subfield code="b">YANK</subfield><subfield code="n">12473134</subfield></datafield><datafield tag="994" ind1=" " ind2=" "><subfield code="a">92</subfield><subfield code="b">GEBAY</subfield></datafield><datafield tag="912" ind1=" " ind2=" "><subfield code="a">ZDB-4-EBA</subfield></datafield><datafield tag="049" ind1=" " ind2=" "><subfield code="a">DE-863</subfield></datafield></record></collection> |
| geographic | United States fast https://id.oclc.org/worldcat/entity/E39PBJtxgQXMWqmjMjjwXRHgrq |
| geographic_facet | United States |
| id | ZDB-4-EBA-ocn927140580 |
| illustrated | Not Illustrated |
| indexdate | 2024-11-27T13:26:51Z |
| institution | BVB |
| isbn | 9780674495425 067449542X 9780674495449 0674495446 |
| language | English |
| lccn | 2015008022 |
| oclc_num | 927140580 |
| open_access_boolean | |
| owner | MAIN DE-863 DE-BY-FWS |
| owner_facet | MAIN DE-863 DE-BY-FWS |
| physical | 1 online resource (328 pages) |
| psigel | ZDB-4-EBA |
| publishDate | 2015 |
| publishDateSearch | 2015 |
| publishDateSort | 2015 |
| publisher | Harvard University Press, |
| record_format | marc |
| spelling | Baradaran, Mehrsa, 1978- author. https://id.oclc.org/worldcat/entity/E39PBJth4WrfgmyP7gqvrQvCQq http://id.loc.gov/authorities/names/n2015013070 How the other half banks : exclusion, exploitation, and the threat to democracy / Mehrsa Baradaran. Cambridge, Massachusetts : Harvard University Press, 2015. ©2015 1 online resource (328 pages) text txt rdacontent computer c rdamedia online resource cr rdacarrier text file PDF rda Includes bibliographical references and index. Governments and banks -- History of the social contract -- Banks with a soul -- How the other half borrows -- Unbanked and unwanted -- Changing the world without changing the rules -- Postal banking -- A public option in banking. "The United States has two separate banking systems today -- one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities -- all thanks to deregulation that began in the 1970s and continues decades later. / In an age of corporate megabanks with trillions of dollars in assets, it is easy to forget that America's banking system was originally created as a public service. Banks have always relied on credit from the federal government, provided on favorable terms so that they could issue low-interest loans. But as banks grew in size and political influence, they shed their social contract with the American people, demanding to be treated as a private industry free from any public-serving responsibility. They abandoned less profitable, low-income customers in favor of wealthier clients and high-yield investments. Fringe lenders stepped in to fill the void. This two-tier banking system has become even more unequal since the 2008 financial crisis. /Baradaran proposes a solution: reenlisting the U.S. Post Office in its historic function of providing bank services. The post office played an important but largely forgotten role in the creation of American democracy, and it could be deployed again to level the field of financial opportunity."--Book jacket. In English. Print version record. Banks and banking Social aspects United States. Financial services industry United States. Check cashing services United States. Postal savings banks United States. Services financiers États-Unis. Services d'encaissement de chèques États-Unis. Caisses d'épargne postales États-Unis. BUSINESS & ECONOMICS Finance. bisacsh BUSINESS & ECONOMICS / Banks & Banking bisacsh Banks and banking Social aspects fast Check cashing services fast Financial services industry fast Postal savings banks fast United States fast https://id.oclc.org/worldcat/entity/E39PBJtxgQXMWqmjMjjwXRHgrq Print version: Baradaran, Mehrsa, 1978- How the other half banks. Cambridge, Massachusetts : Harvard University Press, 2015 9780674286061 (DLC) 2015008022 (OCoLC)904801185 FWS01 ZDB-4-EBA FWS_PDA_EBA https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=1086468 Volltext |
| spellingShingle | Baradaran, Mehrsa, 1978- How the other half banks : exclusion, exploitation, and the threat to democracy / Governments and banks -- History of the social contract -- Banks with a soul -- How the other half borrows -- Unbanked and unwanted -- Changing the world without changing the rules -- Postal banking -- A public option in banking. Banks and banking Social aspects United States. Financial services industry United States. Check cashing services United States. Postal savings banks United States. Services financiers États-Unis. Services d'encaissement de chèques États-Unis. Caisses d'épargne postales États-Unis. BUSINESS & ECONOMICS Finance. bisacsh BUSINESS & ECONOMICS / Banks & Banking bisacsh Banks and banking Social aspects fast Check cashing services fast Financial services industry fast Postal savings banks fast |
| title | How the other half banks : exclusion, exploitation, and the threat to democracy / |
| title_auth | How the other half banks : exclusion, exploitation, and the threat to democracy / |
| title_exact_search | How the other half banks : exclusion, exploitation, and the threat to democracy / |
| title_full | How the other half banks : exclusion, exploitation, and the threat to democracy / Mehrsa Baradaran. |
| title_fullStr | How the other half banks : exclusion, exploitation, and the threat to democracy / Mehrsa Baradaran. |
| title_full_unstemmed | How the other half banks : exclusion, exploitation, and the threat to democracy / Mehrsa Baradaran. |
| title_short | How the other half banks : |
| title_sort | how the other half banks exclusion exploitation and the threat to democracy |
| title_sub | exclusion, exploitation, and the threat to democracy / |
| topic | Banks and banking Social aspects United States. Financial services industry United States. Check cashing services United States. Postal savings banks United States. Services financiers États-Unis. Services d'encaissement de chèques États-Unis. Caisses d'épargne postales États-Unis. BUSINESS & ECONOMICS Finance. bisacsh BUSINESS & ECONOMICS / Banks & Banking bisacsh Banks and banking Social aspects fast Check cashing services fast Financial services industry fast Postal savings banks fast |
| topic_facet | Banks and banking Social aspects United States. Financial services industry United States. Check cashing services United States. Postal savings banks United States. Services financiers États-Unis. Services d'encaissement de chèques États-Unis. Caisses d'épargne postales États-Unis. BUSINESS & ECONOMICS Finance. BUSINESS & ECONOMICS / Banks & Banking Banks and banking Social aspects Check cashing services Financial services industry Postal savings banks United States |
| url | https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=1086468 |
| work_keys_str_mv | AT baradaranmehrsa howtheotherhalfbanksexclusionexploitationandthethreattodemocracy |