The recovery will probably be sparked by a rising rate of housing starts next spring in response to more readily available mortgage credit, as well as by an expansion of Government spending, well sustained consumer spending, and some rebuilding of business inventories.

The huge backlog of demand which was evident in the first decade and a half after the War was fed by liquid assets accumulated by the public during the War, and even more so by the easier and easier credit in the consumer loan and home loan fields.

Exports of coal and steel fell in half by 1939 and the business community was slow to adopt the new labor and management principles coming from the U. S., such as Fordism, consumer credit, eliminating surplus capacity, designing a more structured management, and using greater economies of scale.

On the consumer level, loans against securities have grown into three distinct groups over the last decade: 1 ) Standard Institutional Loans, generally offering low loan-to-value with very strict call and coverage regimens, akin to standard margin loans ; 2 ) Transfer-of-Title ( ToT ) Loans, typically provided by private parties where borrower ownership is completely extinguished save for the rights provided in the loan contract ; and 3 ) Non-Transfer-of-Title Credit Line facilities where shares are not sold and they serve as assets in a standard lien-type line of cash credit.

Owen's followers again stressed both participatory democracy and economic socialisation, in the form of consumer co-operatives, credit unions and mutual aid societies.

In the latter half of 1967, however, an attempt was made to prevent the recession in activity from going too far in the form of a stimulus to consumer durable spending through an easing of credit, which in turn prevented a winter rise in unemployment.

Moreover, interest on consumer loans such as credit card debt was no longer deductible.

Consumer default frequently concern arrears in rent or mortgage payments, consumer credit, or utility payments.

* The ratio of consumer credit outstanding to personal income

The Department of Homeland Security has openly stated that it uses data collected from consumer credit and direct marketing agencies — such as Google — for augmenting the profiles of individuals whom it is monitoring.

Examples of items with an underlying monetary nature which are substitutes of money held include the capital amount of: bank loans, bank savings, credit card loans, car loans, home loans, student loans, consumer loans, commercial and government bonds, Treasury Bills, all capital and money market investments, notes payable, notes receivable, etc.

This information is used in consumer credit scores, making it difficult or more expensive for the defendant to obtain credit.

The Department of Homeland Security has openly stated that it uses data collected from consumer credit and direct marketing agencies for augmenting the profiles of individuals that it is monitoring.

* Transunion, a consumer credit reporting agency

Higher rates also discourage economically unproductive lending such as consumer credit and mortgage lending.

Also consumer credit tends to be used by consumers to buy imported products whereas business loans tend to be domestic and lead to more domestic job creation capital investment in machinery in order to increase production to earn more profit.

Three months later the Board added “ asset-backed securities ” backed by pools of credit card accounts or other “ consumer finance assets ” to the list of “ bank-ineligible securities ” a Section 20 affiliate could underwrite.

Other programs serve goals such as the banking needs of individual union members ( AFL – CIO Credit Union ) or to provide credit card and other consumer services ( Union Privilege ).

A company that issues credit scores for individual credit-worthiness is generally called a credit bureau ( US ) or consumer credit reporting agency ( UK ).

Almost all bank / service company agreements contain a credit insurance policy that protects the lender if the consumer defaults.

Consistency would require that the index should also cover the interest on consumer credit instead of the whole price paid for the products bought on credit if it covers mortgage interest payments.

Given that the vast majority of all emeralds are treated as described above, and the fact that two stones that appear visually similar may actually be quite far apart in treatment level and therefore in value, a consumer considering a purchase of an expensive emerald is well advised to insist upon a treatment report from a reputable gemological laboratory.

A consumer report noted that ibuprofen, naproxen, and salsalate are less expensive than other NSAIDs, and essentially as effective and safe when used appropriately to treat osteoarthritis and pain.

In the glossary on its website, The Conference Board defines the Consumer Confidence Survey as " a monthly report detailing consumer attitudes and buying intentions, with data available by age, income and region ".

According to a 2000 report, in New York women purchase 80 % of all consumer goods and influence 80 % of health-care decisions.

Carlyle has investments spread out over several different industries, with about 22 % of their investments in energy and power, 19 % in real estate, 15 % in technology and business services, 8 % in consumer and retail, 8 % in industrial, 6 % in telecommunications and media, 6 % in transportation, 6 % in healthcare, 5 % in aerospace, and 4 % devoted to other industries, according to their 2008 annual report.

Title VII, " Miscellaneous Provisions ": Outlines provisions relating to the prevention of unfair billing practices for information or services provided over toll-free telephone calls, privacy of consumer information, pole attachments, facilities siting, radio frequency emission standards, mobile services direct access to long distance carriers, advanced telecommunications incentives, the telecommunications development fund, the National Education Technology Funding Corporation, a report on the use of advance telecommunications services for medical purposes, and outlines the authorization of appropriations.

Some consumer advocate websites report that Citibank is still improperly assessing late fees.

The House of Commons of the United Kingdom published a report in which they stated that the decline in sales during this period was linked to changing consumer perceptions of genetically modified crops.

A few stations take the warning further, encouraging viewers to contact their local Better Business Bureau or state or local consumer protection agency to report any questionable products or claims that air on such infomercials.

They did not give their consumer panel a copy of the report of the working group set up following the collapse of a stockbrokers, where some investors were waiting over 7 years to have their claims processed.

Reports on the financial crisis did not ask the opinion of their consumer consultative panel, who in a statement said it was " very disappointed that, in particular, the report by the Governor did not refer to the work of the panel in highlighting many of the failings of the regulation in the past number of years.

Individuals " rate shopping " for a mortgage or auto loan over a short period ( a fortnight or 45 days, depending on whether old FICO or FICO 08 are used ) will likely not experience a large decrease in their scores as a result of these types of inquiries, as automated computer algorithms attempt to detect when a consumer is rate shopping ( and not attempting to receive many new lines of credit ), and roll all of the hard inquiries in to one ; this can often take several months, and isn't always effective, although a consumer who believe they have received many hard inquiries on their report while searching for one loan ( where the automated system has failed to detect it as such ) can dispute these with the credit bureau in question.

While all credit inquiries are recorded and displayed on personal credit reports for two years ( their effect decreases at the six-month and one-year mark ; they have no real effect after the first year ), credit inquiries that were made by the consumer ( such as pulling a credit report for personal use ), by an employer ( for employee verification ) or by companies initiating pre-screened offers of credit or insurance do not have any impact on a credit score: these are called " soft inquiries " or " soft pulls ", and do not appear on a credit report used by lenders, only on personal reports.

( A June 2012 ABC consumer report claimed the main chemical found inside that spray-DHA-is potentially hazardous when inhaled.

The local grasp of market needs and consumer attitudes is unwisely excluded from considerations, and while there may be an initial surge in sales for newly adapted products, with time, the authors report findings that locals lose interest in these goods due to poor adaptation decisions overall as well as a dissatisfaction with their cheapened foreign sources.

In its 2012 report on progress relating to conflict minerals, the Enough Project rated SanDisk the third highest of 24 consumer electronics companies.

This report details consumer complaints to the FTC about alleged debt collector violations of the FDCPA.

The 2009 report indicated that the FTC received 78, 838 consumer complaints about third party debt collectors in 2008, which is an increase from the 70, 951 received in 2007.

Credit bureaus, a type of consumer reporting agency, hold a consumer's credit report in their databases.

Because these nationwide specialty consumer reporting agencies sell consumer credit report files, they are required to provide annual disclosures of their report files to any consumers who request disclosure.