The Regulation of the Consumer Finance Industry: a Case Study of Rate Ceilings and Loan Limits in New York State

Presents a case study of rate ceilings and loan limits in New York State to study how the rate and loan size regulations in the consumer finance industry evolved, and the effects on the character and volume of the lending services. Contents Tables Charts Appendixes Foreword 1. Summary 2. A Historical Perspective 3. The Criteria for Evaluating Regulation 4. The National Pattern of Regulation 5. Regulation and the Characteristics of Loans and Borrowers 6. Regulation and the Amount of Lending Facilities 7. Regulation and Earnings Appendix A. Loan Limits and Rate Ceilings of Credit Unions and Commercial Banks, New York State, 1964 Appendix B. Rate Ceilings and Loan Limits of the Consumer Finance Industry, by State, (1964) Appendix C. Basic Statistical Data Appendix D. Percentage Distribution of Number of Loans Made, New York State, 1936-65 Appendix E. Number of Branches Per Lender, New York State, 1932-65 Appendix F. Changes in the Number and Amount of Loans Made in New York State, 1936-65