{"product_id":"how-the-other-half-banks-exclusion-exploitation-and-the-threat-to-democracy-9780674983960","title":"How the Other Half Banks: Exclusion, Exploitation, and the Threat to Democracy","description":"\u003cp\u003eThe United States has two separate banking systems today--one serving the well-to-do and another exploiting everyone else. \u003ci\u003eHow the Other Half Banks\u003c\/i\u003e contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities--all thanks to deregulation that began in the 1970s and continues decades later. \u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\"Baradaran argues persuasively that the banking industry, fattened on public subsidies (including too-big-to-fail bailouts), owes low-income families a better deal...\u003ci\u003eHow the Other Half Banks\u003c\/i\u003e is well researched and clearly written...The bankers who fully understand the system are heavily invested in it. Books like this are written for the rest of us.\"\u003cbr\u003e--Nancy Folbre, \u003ci\u003eNew York Times Book Review\u003c\/i\u003e \u003cp\u003e\u003c\/p\u003e\"\u003ci\u003eHow the Other Half Banks\u003c\/i\u003e tells an important story, one in which we have allowed the profit motives of banks to trump the public interest.\"\u003cbr\u003e--Lisa J. Servon, \u003ci\u003eAmerican Prospect\u003c\/i\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAbout the Author\u003c\/b\u003e\u003cbr\u003e\u003cb\u003e\u003ci\u003eBaradaran, Mehrsa:\u003c\/i\u003e\u003c\/b\u003e - Mehrsa Baradaran is Professor of Law at UCI Law and a celebrated authority on banking law. In addition to the prizewinning \u003ci\u003eThe Color of Money\u003c\/i\u003e, she is author of \u003ci\u003eHow the Other Half Banks\u003c\/i\u003e. She has advised US senators and representatives on policy and spoken at national and international forums including the World Bank.","brand":"Harvard University Press","offers":[{"title":"Default Title","offer_id":50646615130386,"sku":"9780674983960","price":17.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0831\/4771\/8930\/files\/img_f74b8849-2dea-4d53-9fc2-46a7165bf07a.jpg?v=1733182184","url":"https:\/\/surprise-castle.myshopify.com\/products\/how-the-other-half-banks-exclusion-exploitation-and-the-threat-to-democracy-9780674983960","provider":"Surprise Castle","version":"1.0","type":"link"}