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How the other half banks : exclusion, exploitation, and the threat to democracy / Mehrsa Baradaran.

Book Book (2015.)
Description: 328 pages ; 25 cm
Publisher: Cambridge, Massachusetts : Harvard University Press, 2015.
3 of 3 copies available at NOBLE (All Libraries).
0 current holds with 3 total copies.
Library Location Call Number Status Due Date
Endicott College General Collection HG 2491 .B269 2015 (Text to Phone) Available -
Merrimack College Stacks (2nd) HG2491 .B269 2015 (Text to Phone) Available -
Stoneham Adult Nonfiction Mezzanine 332.10973 BAR (Text to Phone) Available -

  • ISBN: 9780674286061
  • ISBN: 0674286065
Bibliography, etc.:
Includes bibliographical references and index.
Contents:
Governments and banks -- History of the social contract -- Banks with a soul -- How the other half ... Read More
Summary:
"The United States has two separate banking systems today -- one serving the well-to-do and another ... Read More
Citation: Baradaran, Mehrsa. "How the other half banks : exclusion, exploitation, and the threat to democracy." Cambridge, Massachusetts : Harvard University Press, 2015.
 
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1001 . ‡aBaradaran, Mehrsa, ‡d1978-
24510. ‡aHow the other half banks : ‡bexclusion, exploitation, and the threat to democracy / ‡cMehrsa Baradaran.
264 1. ‡aCambridge, Massachusetts : ‡bHarvard University Press, ‡c2015.
300 . ‡a328 pages ; ‡c25 cm
336 . ‡atext ‡2rdacontent
337 . ‡aunmediated ‡2rdamedia
338 . ‡avolume ‡2rdacarrier
504 . ‡aIncludes bibliographical references and index.
5050 . ‡aGovernments 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.
650 0. ‡aBanks and banking ‡xSocial aspects ‡zUnited States.
650 0. ‡aFinancial services industry ‡zUnited States.
650 0. ‡aCheck cashing services ‡zUnited States.
650 0. ‡aPostal savings banks ‡zUnited States.
650 7. ‡aBanks and banking ‡xSocial aspects. ‡2fast ‡0(OCoLC)fst00826990
650 7. ‡aCheck cashing services. ‡2fast ‡0(OCoLC)fst00852645
650 7. ‡aFinancial services industry. ‡2fast ‡0(OCoLC)fst00924738 ‡0(NOBLE)18802
650 7. ‡aPostal savings banks. ‡2fast ‡0(OCoLC)fst01072878
651 7. ‡aUnited States. ‡2fast ‡0(OCoLC)fst01204155 ‡0(NOBLE)26325
990 . ‡amerjg 02-09-2016
905 . ‡unoble
901 . ‡a3710796 ‡b ‡c3710796 ‡tbiblio ‡soclc

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