MARC Record from marc_openlibraries_sanfranciscopubliclibrary

LEADER: 06470cam a2200721Ii 4500
001 932050648
003 OCoLC
003 OCoLC
005 20170321092437.0
008 151210s2017 mau b 001 0 eng d
019 $a967564525
020 $a0544602315$q(hardcover)
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035 $a932050648
035 $a932050648
035 $a(OCoLC)932050648$z(OCoLC)967564525
037 $bHoughton Mifflin Harcourt, 6277 Sea Harbor Dr 5th Fl, Orlando, FL, USA, 32887, (617)3515539$nSAN 215-3793
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049 $aSFRA
050 14 $aHG2461$b.S47 2017
082 04 $a332.10973$223
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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,$c2017.
300 $axix, 250 pages ;$c24 cm
336 $atext$btxt$2rdacontent
337 $aunmediated$bn$2rdamedia
338 $avolume$bnc$2rdacarrier
504 $aIncludes bibliographical references (pages 191-240) and index.
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"--Dust jacket.
505 0 $aIntorduction : we'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.
650 0 $aBanks and banking$zUnited States.
650 0 $aFinancial institutions$zUnited States.
907 $a.b33085419$b12-20-18$c12-01-16
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957 00 $aOCLC reclamation of 2017-18
957 00 $aOCLC reclamation of 2017-18
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938 $aBaker and Taylor$bBTCP$nBK0018090924
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