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Servon, Lisa J.
Subjects
Banks and banking -- United States.
Financial institutions -- United States.
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by author:
Servon, Lisa J.
by title:
The unbanking of Ame...
by call number:
332.10973 S492u
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Servon, Lisa J.
Banks and banking -- United States.
Financial institutions -- United States.
MARC Display
The unbanking of America : how the new middle class survives / Lisa Servon.
by
Servon, Lisa J.
Houghton Mifflin Harcourt, 2017.
Call #:
332
.10973
S492u
Subjects
Banks and banking -- United States.
Financial institutions -- United States.
ISBN:
9780544602311 (hc.)
Description:
xix, 250 pages ; 24 cm
Bibliography:
Includes bibliographical references (pages 227-240) and index.
Contents:
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.
Summary:
Discusses the problems with American banking and investigates such informal banking alternatives as check-cashing businesses, payday lenders, and lending clubs.
"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. A stunning indictment of America's banks, 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. Banks were once essential pillars of our lives; now we can no longer count on them to do right by us. Lisa Servon is Professor of City and Regional Planning at the University of Pennsylvania."--Provided by publisher.
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Central Library
Adult Nonfiction
332.10973 S492u
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