MARC Record from marc_columbia

LEADER: 04418cam a22006617i 4500
001 13440088
005 20180917140424.0
008 170222t20172017mau b 001 0 eng d
010 $a 2016498797
019 $a967564525$a974759180
020 $a9780544602311$q(hardcover)
020 $a0544602315$q(hardcover)
024 $a99977379940
035 $a(OCoLC)ocn932050648
035 $a(OCoLC)932050648$z(OCoLC)967564525$z(OCoLC)974759180
035 $a(NNC)13440088
037 $bHoughton Mifflin Harcourt, 6277 Sea Harbor Dr 5th Fl, Orlando, FL, USA, 32887, (617)3515539$nSAN 215-3793
040 $aYDXCP$beng$erda$cDLC$dYDXCP$dBTCTA$dBDX$dTOH$dGKX$dFEM$dVTL$dPCX$dIQ2$dCGP$dIGA$dBUR$dVP@$dIAD$dNGU$dCHVBK$dOCLCF$dTXMBL$dPAU$dWIMVL$dCGN$dA7U$dOCLCO$dMUU$dSFR$dBYV$dOCLCQ$dRIU$dOCLCQ$dCGN$dOCL$dDLC$dZVR$dKB8$dTXHLC$dLCO$dKUA$dGILDS$dB@L$dOCLCQ$dOCLCO$dCNO$dFSS$dFB3$dMIH$dIBE$dUBC$dILM$dFPJ$dGZM$dQQ3$dFYO$dOCLCQ$dST5
042 $alccopycat
043 $an-us---
050 00 $aHG2491$b.S47 2017
082 04 $a332.10973$223
084 $aSOC050000$aBUS004000$aBUS070140$2bisacsh
100 1 $aServon, Lisa J.,$eauthor.
245 14 $aThe unbanking of America :$bhow the new middle class survives /$cLisa Servon.
264 1 $aBoston :$bHoughton Mifflin Harcourt,$c[2017]
264 4 $c©2017
300 $axix, 250 pages ;$c24 cm
336 $atext$btxt$2rdacontent
337 $aunmediated$bn$2rdamedia
338 $avolume$bnc$2rdacarrier
520 $aDiscusses the problems with American banking and investigates such informal banking alternatives as check-cashing businesses, payday lenders, and lending clubs.
520 $a"An urgent, absorbing exposé--why Americans are fleeing our broken banking system in growing numbers, and how alternatives are rushing in to do what banks once did. What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twenty-something graduate student have in common? All three are victims of our dysfunctional mainstream banking and credit system. Today nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their low- and middle-income customers while serving only the wealthiest Americans. Lisa Servon delivers a stunning indictment of America's banks, together with eye-opening dispatches from inside a range of banking alternatives that have sprung up to fill the void. She works as a teller at RiteCheck, a check-cashing business in the South Bronx, and as a payday lender in Oakland. She looks closely at the workings of a tanda, an informal lending club. And she delivers engaging, hopeful portraits of the entrepreneurs reacting to the unbanking of America by designing systems to creatively serve many of us."--Jacket.
505 0 $aWe're all underbanked -- Where everybody knows your name -- Bankonomics, or How banking changed and most of us lost out -- The new middle class -- The credit trap : "bad debt" and real life -- Payday loans : making the best of poor options -- Living in the minus : the millennial perspective -- Borrowing and saving under the radar -- Inside the innovators -- Rejecting the new normal.
504 $aIncludes bibliographical references (pages 227-240) and index.
650 0 $aBanks and banking$zUnited States.
650 0 $aFinancial institutions$zUnited States.
650 0 $aCheck cashing services$zUnited States.
650 0 $aMoney services businesses$zUnited States.
650 7 $aSOCIAL SCIENCE$xSocial Classes.$2bisacsh
650 7 $aSOCIAL SCIENCE$xSociology.$2bisacsh
650 7 $aBanks and banking.$2fast$0(OCoLC)fst00826867
650 7 $aCheck cashing services.$2fast$0(OCoLC)fst00852645
650 7 $aFinancial institutions.$2fast$0(OCoLC)fst00924636
650 7 $aMoney services businesses.$2fast$0(OCoLC)fst01896564
651 7 $aUnited States.$2fast$0(OCoLC)fst01204155
650 7 $aAlternative Wirtschaft$2gnd
650 7 $aBankgeschäft$2gnd
650 7 $aKreditgeschäft$2gnd
650 7 $aEinkommensdisparität$2gnd
650 7 $aMittelstand$2gnd
650 7 $aNiedriglohn$2gnd
650 7 $aGegenkultur$2gnd
650 7 $aAlternative.$2gnd
650 7 $aKreditgeber$2gnd
651 7 $aUSA.$2gnd
650 4 $aBanks and banking$zUnited States.
852 00 $bmil$hHG2491$i.S47 2017