By Thomas A. Durkin, Visit Amazon's Michael E. Staten Page, search results, Learn about Author Central, Michael E. Staten,
As either the twenty-first century and the recent millennium opened and the previous eras handed into background, members and enterprises through the international complicated their listings of the main major humans and occasions of their respective specialties. almost certainly extra vital, the tum of the clock and calendar additionally provided those related observers an exceptional cause to look into the crystal ball. most likely, the prior is of maximum curiosity to most folks while it allows higher knowing of the current, and even perhaps constrained perception into the outlook. according to the reflective temper of the time, the employees and pals of the credits learn heart (CRC) at Georgetown University's McDonough tuition of industrial famous that the start of the hot millennium additionally marked the start of the second one quarter-century of the Center's lifestyles. the heart started on the Krannert Graduate institution of administration at Purdue college in 1974 and moved to the McDonough college of commercial at Georgetown collage in 1997. The silver anniversary of its founding provided the get together for growing greater than one other directory of vital previous accomplishments and milestones. fairly, it provided the chance and, certainly, a mandate for CRC as an instructional learn middle, to adopt a retrospective and destiny inspect the prestige of analysis questions relating patron credits markets. hence, the heart geared up a study convention which was once held in Washington, D. C.
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S. credit grantors and others. In order to understand this milieu, one has to understand now both the United States as well as other countries. It is hard enough, as Lendol has suggested, to understand these cultural antecedents when you are thinking about a homogenous, common, cultural history with a lot of shared values and shared experiences. But, as we know, in this country we are diversifying at a very rapid rate today. S. today. S. public policy in one way or another, I would imagine. As another example, Glenn Canner has written an interesting paper looking at small business lending in inner-city areas.
That paradox underlies familiar statutes. If you look at the Community Reinvestment Act, the Home Mortgage Disclosure Act, or the Equal Credit Opportunity Act they are each driven by the idea that "credit is good"-not only good, but absolutely essential. But, if you look at the attacks on reverse redlining or collection practices or predatory lending, you will understand that "debt is bad" also is a driving force behind regulation. Failure to appreciate that you are dealing with both of those cultural forces at the same time can lead you into some traps.
415. 'David Frum (2000) argues that consumer debt drowned thrift in the 1970s. The Galbraith reference is from Galbraith (1958), p. 201. 'Bell (1976), p. 21. 9Walter T. Post letters, Box P1040, Minnesota Historical Society, St. Paul, MN. JOUnited States Department of the Interior, Census Office (1895), p. 102. lIA bibliography on debt in early America could start with William Bradford (1967), pp. 36-46, 93-96,184-188,194-200,213-215,399-403; Breen (1985), pp. xii-xiv, 93-106,127-129,161175; Szatmary (1980), pp.