Consumer Credit in the United States: Report

administrative annual percentage rate APR's auto availability of credit average bank credit cards banking departments billion borrowers commercial banks Commission recommends Commission's competition Comptroller consumer credit market consumer credit protection consumer credit transactions consumer education consumer finance companies consumer loans contract costs credit availability credit card credit grantors credit insurance credit life insurance creditors debt debtor default disclosure dual chartering economic effective enforcement examination Exhibit FDIC Federal credit unions Federal Reserve Federal Reserve System federally chartered FHLBB finance charge function funds garnishment higher rate ceilings increase industry instalment credit instalment sales interest rate interest rate ceilings legislation lenders Lending Act licensed loan associations NCUA nonmember banks outstanding payment percent personal loans purchase rates of charge regulation restrictions retailers revolving credit risk sales finance savings and loan small loan sumer supervision supervisory tion Truth in Lending usury violations workably competitive