Payday Lending in Canada in a Global Context: A Mature Industry with Chronic Challenges

Jerry Buckland, Chris Robinson, Brenda Spotton Visano
Springer, 29 mrt. 2018 - 245 pagina's
This book analyzes the highly contentious payday lending industry, presenting valuable new data collected during Canada's recent regulatory reviews and demonstrating its relevance to payday lending conversations taking place worldwide. The authors treat the industry with a balanced hand by establishing its importance as an example of financialization and acknowledging the complex impact of payday lending services on low-income and credit-constrained clients. Up-to-date data from an interdisciplinary mix of financial, econometric, legal, behavioral economic, and socioeconomic sources—all in the context of an established Canadian industry—provide both proponents and opponents of payday lending with valuable evidence for their discussions of how much regulation is required to minimize harmful consequences. These insights from Canada expand a US-centric conversation and provide a key resource for the growing list of countries in which the industry is present, from the UK and Poland to South Africa and Australia.

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A Statistical Profile of Payday Loan Clients from National Surveys
A Socioeconomic Examination of Payday Loan Clients Why and How People Use Payday Loans
A Business Analysis of the Payday Loan Industry
Ethical Issues Related to Payday Lending
Mainstream Financial Institution Alternatives to the Payday Loans
Payday Lending Regulations
Sample of Websites of Organizations Offering Regulating or Concerned About Payday Lending

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Over de auteur (2018)

Jerry Buckland is Professor of International Development Studies, Menno Simons College, Canadian Mennonite University, Canada.
Chris Robinson is Professor of Finance, School of Administrative Studies, York University, Canada.
Brenda Spotton Visano is Professor of Economics and Public Policy, Department of Economics, The School of Public Policy & Administration, York University, Canada.

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