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Doku_Con_Juni05_s1_33.qxp
... financial markets by black households, federal reserve bank of chi- cago, consumer issues research series, paper no. braunstein and welch 2002, p. 455. 14 roy morgan research 2003; oecd ... the general population7 . financial literacy approaches in order to illustrate typical financial literacy approaches, a number of examples from the united states are presented. there is the ida (indu- strial ...
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Netherlands cf USA Cons BK Reform v2.doc
... 1990s, policymakers became concerned first about the falling number of dutch voluntary debt arrangements and then about the rising number of u.s. consumer bankruptcy filings. as a result ... responsibility and payment morality,82 lawmakers insisted that reinvigorating consumer debtors would avoid a series of equally undesirable social ills, including poverty, social isolation, and lost productivity.83 ...
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Microsoft Word - Expert Recs and the Euro Model (Inaugural Lecture) v4 FINAL 12-10-2010.doc
... and charged it with preparing recommendations for official adoption by the council of europe. a series of final recommendations and an explanatory memorandum emerged from this group in february 200757 ... fraud, when the existence of such debts does not bar relief altogether), though a number of national laws discharge even fines. significant disagreement surfaces with respect to non-punitive ...
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