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Consumer Credit

Consumer Credit Author Alexander Hill-Smith
ISBN-10 9781317697022
Release 2015-02-20
Pages 386
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The field of consumer credit law has undergone major and fundamental change in the recent past, due in part to the regulation since 1 April 2014 of consumer credit by the Financial Conduct Authority, and this book provides a clear and complete guide to this difficult area of law. Fully updated for the second edition, the author considers new developments including: the new authorisation process under the Financial Services and Markets Act 2000, including the interim permission regime, and its consequences; the new regime for financial promotions as applied to credit and hire advertising; the new rules controlling high cost short term lending and peer to peer lending; the new provisions of the recently released Consumer Credit Sourcebook (CONC); the new requirements governing mortgage lending as contained in MCOB; the requirements for distance selling and off-premises contracts as applied to consumer credit and consumer hire including the impact of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013; the jurisdiction of the financial ombudsman service on consumer credit. Also considered is the recent case law on the powerful unfair relationships jurisdiction. This comprehensive and practical guide is essential reading for legal practitioners, finance houses, credit reference agencies and retail organisations.



Guide to Consumer Credit Law and Practice

Guide to Consumer Credit Law and Practice Author Rosenthal
ISBN-10 184592505X
Release 2002-01-01
Pages 341
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"The second edition of Guide to Consumer Credit Law and Practice is an expanded text on all aspects of consumer credit and consumer hire agreements, contract terms, credit products, security instruments, procedures, practical problems and regulatory controls. It contains useful information on the credit industry, including statistical details on credit and debit cards, standard licences and fraud. Written in a clear and penetrating style, the book draws on the author's long experience as a practising solicitor specialising in this area. The increase in commentary and analysis makes this an ideal purchase for the practitioner, lender, lessor and consumer who want more than just a general guide to the law. New edition due in 2007."



United States Securities Law

United States Securities Law Author James M. Bartos
ISBN-10 9789041123626
Release 2006
Pages 299
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Capital raising, mergers and acquisitions and securities trading around the world often involve some connection with the United States and implicate the US securities laws. United States Securities Law: A Practical Guide ,offers a concise overview of US securities laws from the perspective of a non-US participant. It is written not only for lawyers but for managers, bankers and others with an interest in the topic. This new edition has been significantly updated and expanded, including for the SEC's recent offering reforms and corporate governance developments. Praise for the Second Edition: This book has been a valuable resource in effectively counselling my company in the intricacies of SEC regulation. Jim, with his many years of counselling foreign issuers out of his firms London office, writes with a perspective that is particularly relevant to the needs of foreign companies listed on US exchanges. George Miller, Executive Vice President and General Counsel, Novartis Corporation. A well written and useful primer for those looking for quick, practical answers to real life questions or who wish to understand better the background and rationale to US securities law and regulation. Leland Goss, Managing Director, Credit Suisse. This book really is a practical guide to the US securities laws. It does a great job of explaining the rules and regulations in a way that can be understood by readers that are not themselves US securities lawyers. Peter Castellon, Director andamp; Counsel, Citigroup Corporate andamp; Investment Banking.



Financial Modeling and Valuation

Financial Modeling and Valuation Author Paul Pignataro
ISBN-10 9781118558690
Release 2013-06-18
Pages 432
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Written by the Founder and CEO of the prestigious New York School of Finance, this book schools you in the fundamental tools for accurately assessing the soundness of a stock investment. Built around a full-length case study of Wal-Mart, it shows you how to perform an in-depth analysis of that company's financial standing, walking you through all the steps of developing a sophisticated financial model as done by professional Wall Street analysts. You will construct a full scale financial model and valuation step-by-step as you page through the book. When we ran this analysis in January of 2012, we estimated the stock was undervalued. Since the first run of the analysis, the stock has increased 35 percent. Re-evaluating Wal-Mart 9months later, we will step through the techniques utilized by Wall Street analysts to build models on and properly value business entities. Step-by-step financial modeling - taught using downloadable Wall Street models, you will construct the model step by step as you page through the book. Hot keys and explicit Excel instructions aid even the novice excel modeler. Model built complete with Income Statement, Cash Flow Statement, Balance Sheet, Balance Sheet Balancing Techniques, Depreciation Schedule (complete with accelerating depreciation and deferring taxes), working capital schedule, debt schedule, handling circular references, and automatic debt pay downs. Illustrative concepts including detailing model flows help aid in conceptual understanding. Concepts are reiterated and honed, perfect for a novice yet detailed enough for a professional. Model built direct from Wal-Mart public filings, searching through notes, performing research, and illustrating techniques to formulate projections. Includes in-depth coverage of valuation techniques commonly used by Wall Street professionals. Illustrative comparable company analyses - built the right way, direct from historical financials, calculating LTM (Last Twelve Month) data, calendarization, and properly smoothing EBITDA and Net Income. Precedent transactions analysis - detailing how to extract proper metrics from relevant proxy statements Discounted cash flow analysis - simplifying and illustrating how a DCF is utilized, how unlevered free cash flow is derived, and the meaning of weighted average cost of capital (WACC) Step-by-step we will come up with a valuation on Wal-Mart Chapter end questions, practice models, additional case studies and common interview questions (found in the companion website) help solidify the techniques honed in the book; ideal for universities or business students looking to break into the investment banking field.



A Pragmatist s Guide to Leveraged Finance

A Pragmatist s Guide to Leveraged Finance Author Robert S. Kricheff
ISBN-10 9780132855242
Release 2012-02-27
Pages 288
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The high-yield leveraged bond and loan market (“junk bonds”) is now valued at $3+ trillion in North America, €1 trillion in Europe, and another $1 trillion in emerging markets. What’s more, based on the maturity schedules of current debt, it’s poised for massive growth. To successfully issue, evaluate, and invest in high-yield debt, however, financial professionals need credit and bond analysis skills specific to these instruments. Now, for the first time, there’s a complete, practical, and expert tutorial and workbook covering all facets of modern leveraged finance analysis. In A Pragmatist’s Guide to Leveraged Finance, Credit Suisse managing director Bob Kricheff explains why conventional analysis techniques are inadequate for leveraged instruments, clearly defines the unique challenges sellers and buyers face, walks step-by-step through deriving essential data for pricing and decision-making, and demonstrates how to apply it. Using practical examples, sample documents, Excel worksheets, and graphs, Kricheff covers all this, and much more: yields, spreads, and total return; ratio analysis of liquidity and asset value; business trend analysis; modeling and scenarios; potential interest rate impacts; evaluating and potentially escaping leveraged finance covenants; how to assess equity (and why it matters); investing on news and events; early stage credit; and creating accurate credit snapshots. This book is an indispensable resource for all investment and underwriting professionals, money managers, consultants, accountants, advisors, and lawyers working in leveraged finance. In fact, it teaches credit analysis skills that will be valuable in analyzing a wide variety of higher-risk investments, including growth stocks.



Break Up the Banks

Break Up the Banks Author David Shirreff
ISBN-10 9781612195032
Release 2016-03-29
Pages 112
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Can we prevent another financial crisis? We can! Break Up the Banks! is a sensible, actionable, and totally accessible call to arms from an acclaimed financial journalist It’s been eight years since the financial crisis, but has anyone taken real action to prevent the next one? Former Economist reporter David Shirreff thinks not, and in Break Up the Banks!, he gives us a short but essential guide to what exactly we can do. With great clarity and a keen sense of humor, Shirreff argues that banks have gotten far too big and far too powerful—and shows how they can be reined in. From the Trade Paperback edition.



Understanding Australian Consumer Credit Law

Understanding Australian Consumer Credit Law Author Gail Pearson
ISBN-10 9781921701269
Release 2010
Pages 326
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An essential reference guide for anyone involving in, or affected by, the significant reforms to the regulation of Australian consumer credit law.



The Law and Regulation of Financial Institutions

The Law and Regulation of Financial Institutions Author Milton R. Schroeder
ISBN-10 0791321835
Release
Pages
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The Law and Regulation of Financial Institutions has been writing in one form or another for most of life. You can find so many inspiration from The Law and Regulation of Financial Institutions also informative, and entertaining. Click DOWNLOAD or Read Online button to get full The Law and Regulation of Financial Institutions book for free.



European Banking and Financial Services Law

European Banking and Financial Services Law Author Cornelia Gerster
ISBN-10 9789041122995
Release 2004-01-01
Pages 257
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The initiative to improve the level of integration in banking and financial services law within the European Union, ongoing since the end of the sixties, has been largely successful. About 80% of the national laws regarding financial services are based on European law. A practical guide to the entire field of EU law in this area is the new resource European Banking and Financial Services Law, published by the EAPB in co-operation with Kluwer Law International. The book approaches the subject thematically, considering banking and banking supervision law, capital markets and securities law, accounting and company law, consumer law, taxation and capital transactions, payments, money laundering and financial crime, competition law, civil law and other issues. for each of these distinct areas of practice it offers such essential guidance as the following: concise summary of the law as it stands and its legislative history, overview of laws binding and in force, pending legislation not yet adopted, issues under discussion in the European Parliament and the Council, e.g. the review of the Capital Requirements, the Proposal for a Directive on Markets in Financial Instruments, the proposal for a revision of the Consumer Credit Directive, the new legal framework for payments. A CD-ROM enclosed with this book provides the full official versions of all directives and regulations published by the European Union in the fields of banking and financial services. An introduction of each chapter gives a quick overview and a description of the thematic surrounding. Texts on the CD-ROM include such fundamental documents as the Banking Directive, the Financial Conglomerates Directive, the Stock Exchange Law Directive, the Market Abuse Directive, the Prospectus Directive, the IAS Regulation, the Statute for a European Company, the Takeover Bids Directive, the E-Commerce Directive, the Directive and Regulation on Cross-Border Payments, the Anti-Money Laundering Directive, the new EC Merger Regulation and the Consumer Credit Directive. Annexes present the Financial Services Action Plan (FSAP) of 1999 and the descriptions and schemes for the Lamfalussy procedure as well as the Co-decision procedure.



Banking and Security Law in Ireland

Banking and Security Law in Ireland Author William Johnston
ISBN-10 184766668X
Release 2015-06-30
Pages 800
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For practicing solicitors and barristers working in Ireland's banking and financial services sector, this popular book will enable them to advise their clients with absolute confidence. Immensely practical, Banking and Security Law in Ireland provides a detailed treatment of the ever-increasing exceptions in Ireland to the banker's duty of secrecy, liability for payment or non-payment of checks, recent case law on payments and tracing, as well as accounts. This second edition's coverage includes a thorough treatment of facility letters, guarantees, pledges, mortgages and charges over land, chattels (including agricultural equipment), debts, deposits, and shares.



Money Laundering Law and Regulation

Money Laundering Law and Regulation Author Robin Booth
ISBN-10 9780199543038
Release 2011-03-03
Pages 484
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Money Laundering Law and Regulation is a practical and comprehensive guide to domestic anti-money laundering law and regulation, increasingly seen as key weapons in the fight against serious and organised crime. The book explains the genesis of the current regime, placing it in the international and regional context. It also provides a chapter-by-chapter analysis of the current law, explaining and analysing key concepts; the statutory framework and individual offences; the developing case law; the Suspicious Activity Reporting regime and problems in its implementation, terrorist financing and money laundering; sentencing, civil recovery and confiscation; and jurisdictional issues. They conclude by looking at the practice of those tasked with prosecuting or defending offences by setting out the powers of investigation and prosecution under POCA and SOCPA and analysing the policy of the various prosecuting bodies, and finally looking at the practicalities of defending, particularly in respect of parallel civil and criminal proceedings, funding and Human Rights Act considerations. The authors comprise an expert team of barristers, including Robin Booth, Chair of the Law Society's Money Laundering Task Force and former head of the Fraud Division of the CPS.



Mastering Islamic Finance

Mastering Islamic Finance Author Faizal Karbani
ISBN-10 9781292001456
Release 2015-02-20
Pages 208
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A practical and accessible guide to Islamic finance that helps demystify the differences with conventional banking, enabling practitioners to develop Sharia compliant products for customers. The Islamic Finance industry is estimated to be worth $1.2 trillion and is growing globally at over 10% per year. Mastering Islamic Finance will give practitioners an understanding of Islamic finance, from the basic techniques, through to advanced applications. Helping to demystify and clarify the differences with conventional banking, it will enable practitioners to develop Sharia compliant products for customers. According to Sharia law there are strict rules on how financial services and products can be designed; in Islamic Finance money cannot make money and the subject of the finance must be an asset or a verifiable, real trade or business activity. Sharia compliant financial instruments have been devised to enable Muslims to abide by the principles of Islam and still make the most of their money. Mastering Islamic Finance will equip readers with an understanding of Islamic financial instruments so they can sensibly apply them in practice. For each instrument there is a definition of the concept and how it differs from its equivalent in conventional banking. There are also examples and case studies to highlight practical applications.



Asset based Lending

Asset based Lending Author John Francis Hilson
ISBN-10 0872241211
Release 2002-01-01
Pages
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For 20 years, Asset-Based Lending: A Practical Guide to Secured Financing has been a model of clear, sensible, step-by-step coverage of the techniques, documents, risks, and protections at the heart of this complex specialty.



Equity

Equity Author Malcolm Cope
ISBN-10 1862871590
Release 1995
Pages 252
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Based on papers delivered at an International Conference on Equitable Doctrines and Principles held at Queensland University of Technology, July 7-8, 1994.



ADD and Your Money

ADD and Your Money Author Karl Klein
ISBN-10 1608824802
Release 2009-12-02
Pages 176
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When you have attention-deficit disorder (ADD), you don't spend money like most other people. Past-due bills and impulsive spending can throw your finances into turmoil, and because these financial pitfalls are directly related to your ADD symptoms, they can seem impossible to overcome. The good news is that it is possible to get ADD-related financial disorganization under control and begin to enjoy a more stable relationship to your money. ADD and Your Money will show you how. This friendly guide, written with your ADD in mind, includes information on everything you need to know about managing your finances and staying in control. With this book as your guide, you will learn to: • Keep track of your bills • Create a budget that works • Get debt under control • Find ADD-friendly bank services • Plan around your splurges • Make time-management a priority If you're ready to start focusing on your future financial success, this book can help you start making lasting changes today.



Subject Guide to Books in Print

Subject Guide to Books in Print Author
ISBN-10 STANFORD:36105025888517
Release 2003
Pages
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Subject Guide to Books in Print has been writing in one form or another for most of life. You can find so many inspiration from Subject Guide to Books in Print also informative, and entertaining. Click DOWNLOAD or Read Online button to get full Subject Guide to Books in Print book for free.



Albania Doing Business for Everyone Guide Practical Information and Contacts

Albania Doing Business for Everyone Guide   Practical Information and Contacts Author IBP USA
ISBN-10 9781438771472
Release 2012-01-01
Pages 253
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Business in Albania for Everyone: Practical Information and Contacts for Success