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Center For Responsible Lending
The Center for Responsible Lending (CRL) is a nonprofit organization research and policy group based in Durham, North Carolina, United States. Its stated purpose is to educate the public about financial products and to push for policies that curb predatory lending. On its website and elsewhere, CRL describes its mission as that of "protecting homeownership and family wealth by working to eliminate abusive financial practices." CRL is affiliated with the Center for Community Self-Help. History Established in 2002 by Self-Help, CRL is a nonprofit, nonpartisan research and policy organization that focuses on financial products and services, including mortgages, credit cards, payday lending, and bank overdraft fees. It is affiliated with the Self-Help Credit Union, also founded by Martin Eakes in Durham, North Carolina. It has issued research reports, issue briefs and policy statements on a range of topics. CRL has pushed hard for financial reform—including the creation of the ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Durham, North Carolina
Durham ( ) is a city in the U.S. state of North Carolina and the county seat of Durham County, North Carolina, Durham County. Small portions of the city limits extend into Orange County, North Carolina, Orange County and Wake County, North Carolina, Wake County. With a population of 283,506 in the 2020 United States census, 2020 census, Durham is the List of municipalities in North Carolina, fourth-most populous city in North Carolina and the List of United States cities by population, 70th-most populous city in the United States. The city is located in the east-central part of the Piedmont (United States), Piedmont region along the Eno River. Durham is the core of the four-county Durham–Chapel Hill, North Carolina, Chapel Hill metropolitan area, which had an estimated population of 608,879 in 2023. The Office of Management and Budget also includes Durham as a part of the Raleigh–Durham–Cary, NC Combined Statistical Area, commonly known as the Research Triangle, which had an ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
60 Minutes
''60 Minutes'' is an American television news magazine broadcast on the CBS television network. Debuting in 1968, the program was created by Don Hewitt and Bill Leonard, who distinguished it from other news programs by using a unique style of reporter-centered investigation. In 2002, ''60 Minutes'' was ranked number six on ''TV Guide''s list of the " 50 Greatest TV Shows of All Time", and in 2013, it was ranked number 24 on the magazine's list of the "60 Best Series of All Time". In 2023, '' Variety'' ranked ''60 Minutes'' as the twentieth-greatest TV show of all time. ''The New York Times'' has called it "one of the most esteemed news magazines on American television". The program began in 1968 as a bi-weekly television show hosted by Mike Wallace and Harry Reasoner. The two sat on opposite sides of the cream-colored set, though the set's color was later changed to black, the color still in use. The show used a large stopwatch during transition periods and highlighted its ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Think Tanks Established In 2002
In their most common sense, the terms thought and thinking refer to cognitive processes that can happen independently of sensory stimulation. Their most paradigmatic forms are judging, reasoning, concept formation, problem solving, and deliberation. But other mental processes, like considering an idea, memory, or imagination, are also often included. These processes can happen internally independent of the sensory organs, unlike perception. But when understood in the widest sense, any mental event may be understood as a form of thinking, including perception and unconscious mental processes. In a slightly different sense, the term ''thought'' refers not to the mental processes themselves but to mental states or systems of ideas brought about by these processes. Various theories of thinking have been proposed, some of which aim to capture the characteristic features of thought. ''Platonists'' hold that thinking consists in discerning and inspecting Platonic forms and their inte ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Financial Services In The United States
As of October 31, 2024, financial services in the United States represented 15% of the S&P 500 Equal Weight Index. The U.S. finance industry comprised only 10% of total non-farm business profits in 1947, but it grew to 50% by 2010. Over the same period, finance industry income as a proportion of GDP rose from 2.5% to 7.5%, and the finance industry's proportion of all corporate income rose from 10% to 20%. In 2018 the share of GDP was 7.4% the equivalent of $1.5 trillion in value-added to the economy. The mean earnings per employee hour in finance relative to all other sectors has closely mirrored the share of total U.S. income earned by the top 1% income earners since 1930. The mean salary in New York City's finance industry rose from $80,000 in 1981 to $360,000 in 2011, while average New York City salaries rose from $40,000 to $70,000. In 1988, there were about 12,500 U.S. banks with less than $300 million in deposits, and about 900 with more deposits, but by 2012, there were on ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Political Organizations Based In The United States
Politics () is the set of activities that are associated with making decisions in groups, or other forms of power relations among individuals, such as the distribution of status or resources. The branch of social science that studies politics and government is referred to as political science. Politics may be used positively in the context of a "political solution" which is compromising and non-violent, or descriptively as "the art or science of government", but the word often also carries a negative connotation.. The concept has been defined in various ways, and different approaches have fundamentally differing views on whether it should be used extensively or in a limited way, empirically or normatively, and on whether conflict or co-operation is more essential to it. A variety of methods are deployed in politics, which include promoting one's own political views among people, negotiation with other political subjects, making laws, and exercising internal and external fo ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Mortgage Choice Act Of 2013 (H
The Mortgage Choice Act of 2013 () is a bill that would direct the Consumer Financial Protection Bureau (CFPB) to amend its regulations related to qualified mortgages to reflect new exclusions made by this bill. The CFPB released new regulations regarding the definition of a Qualified Mortgage that took effect in January 2014, a definition that this bill would modify. The bill was introduced and passed in the United States House of Representatives during the 113th United States Congress. Background The U.S. subprime mortgage crisis was a nationwide banking emergency that triggered the recession of 2008, through subprime mortgage delinquencies and foreclosures, resulting in the devaluation of the attendant securities. These mortgage-backed securities (MBS) and collateralized debt obligations (CDO) initially offered attractive rates of return due to the higher interest rates on the mortgages; however, the lower credit quality ultimately caused massive defaults.Lemke, Lins and Pi ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Consumer Financial Protection Bureau
The Consumer Financial Protection Bureau (CFPB) is an independent agency of the United States government responsible for consumer protection in the financial sector. CFPB's jurisdiction includes banks, credit unions, securities firms, Payday loans in the United States, payday lenders, mortgage-servicing operations, foreclosure relief services, debt collectors, for-profit colleges, and other financial companies operating in the United States. The agency was originally proposed in 2007 by Elizabeth Warren while she was a law professor and she played an instrumental role in its establishment. The CFPB's creation was authorized by the Dodd–Frank Wall Street Reform and Consumer Protection Act, whose passage in 2010 was a legislative response to the 2008 financial crisis and the subsequent Great Recession, and is an independent bureau within the Federal Reserve. The agency has established or proposed rules to cap overdraft charges and credit card late fees; prohibit medical debt f ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Politico
''Politico'' (stylized in all caps), known originally as ''The Politico'', is an American political digital newspaper company founded by American banker and media executive Robert Allbritton in 2007. It covers politics and policy in the United States and internationally, with publications dedicated to politics in the U.S., European Union, United Kingdom, and Canada, among others. Primarily providing distributed news, analysis and opinion online, it also produces printed newspapers, radio, and podcasts. Its coverage focuses on topics such as the federal government, lobbying and the media. Ideologically, ''Politicos coverage has been described as centrist on American politics and Atlanticist on international politics. In 2021, ''Politico'' was acquired for reportedly over US$1 billion by Axel Springer SE, a German news publisher and media company. Axel Springer is Europe's largest newspaper publisher and had previously acquired '' Business Insider''. Unlike employees of its ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Sandler Foundation
Sandler Foundation is a charitable foundation formed in 1991 with support from Herbert Sandler and Marion Sandler, co-CEOs of Golden West Financial Corporation and World Savings Bank. In 2006, the Sandlers made a contribution of $1.3 billion to the foundation, which was the second largest American charitable contribution of 2006. Sandler Foundation is a spend-down foundation as the Sandlers have signed The Giving Pledge. The Sandlers founded the nonprofit investigative news organization ProPublica. Steve Daetz is president of the Sandler Foundation. Mission Sandler Foundation's mission to "invest in strategic organizations and exceptional leaders that seek to improve the rights, opportunities and well-being of others, especially the most vulnerable and disadvantaged." Organizations funded A 2008 New York Times article notes that the foundation has provided substantial support to several nonprofit organizations, including ProPublica, the Center for American Progress, the Center ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
North Carolina
North Carolina ( ) is a U.S. state, state in the Southeastern United States, Southeastern region of the United States. It is bordered by Virginia to the north, the Atlantic Ocean to the east, South Carolina to the south, Georgia (U.S. state), Georgia to the southwest, and Tennessee to the west. The state is the List of U.S. states and territories by area, 28th-largest and List of U.S. states and territories by population, 9th-most populous of the List of states and territories of the United States, United States. Along with South Carolina, it makes up the Carolinas region of the East Coast of the United States, East Coast. At the 2020 United States census, 2020 census, the state had a population of 10,439,388. Raleigh, North Carolina, Raleigh is the state's List of capitals in the United States, capital and Charlotte, North Carolina, Charlotte is its List of municipalities in North Carolina, most populous and one of the fastest growing cities in the United States. The Charl ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Marion Sandler
Marion Osher Sandler (October 17, 1930 – June 1, 2012) was the co-CEO (with her husband Herbert Sandler) of Golden West Financial Corporation and World Savings Bank. In 2004, after 43 years running Golden West Financial Corporation, she was described by the Columbia School of Journalism as "the first and longest-serving woman chief executive officer in the United States." Early life Born Marion Osher in Biddeford, MaineZweigenhaft, Richard L., and Domhoff, G. William. ''The New CEOs: Women, African American, Latino, and Asian American Leaders of Fortune 500 Companies'' Published: 2014-03-18 Publisher: Rowman & Littlefield Publisherp 16/ref> on October 17, 1930, to Samuel and Leah Osher, Jewish immigrants from Lithuania and Russia. [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
