Small loan legislation

목차 (Table of Contents)

• CONTENTS
• TABLE OF CONTENTS
• PART Ⅰ SMALL LOAN LAWS
• CHAPTER Ⅰ THE BASIS OF SMALL LOAN LEGISLATION
• The Need for Legislation = 11
• The Theory = 12
• The Method = 15
• CHAPTER Ⅱ EARLY ATTEMPTS AT SMALL LOAN LEGISLATION, 1884-1898
• Diagnosing the Ailment = 18
• Prescribing a Remedy = 22
• Summary of Early Attempts = 26
• CHAPTER Ⅲ THE GROPING OR EXPERIMENTAL PERIOD, 1898-1910
• Development of Earlier Theories for the Regulation of Small Loans = 27
• Prohibitive Theory = 27
• Semi-Philanthropic Theory = 28
• Unregulated Commercial Theory = 30
• Regulated and Supervised Commercial Theory = 33
• Wage-Assignment Legislation = 39
• Important Experiments of the Groping Era = 43
• Proper Scope of Small Loan Legislation = 44
• Proper Charges to Be Allowed on Loans = 45
• Regulation of the Business = 48
• Summary of the Results Obtained from Legislation, 1898-1910 = 51
• CHAPTER Ⅳ THE CO-ORDINATING PERIOD, 1910-1916
• Seriousness of the Situation = 53
• The Program for Improving Conditions = 55
• Translating the Program into Legislation-Influence of the Russell Sage Foundation = 57
• Legislation Not Directly Influenced by the Russell Sage Foundation = 71
• Wage-Assignment Legislation, 1910-1916 = 75
• Progress Made During This Era = 78
• Proper Classification = 78
• Charges to Be Allowed on Loans = 80
• Regulation of the Business = 82
• Summary of the Progress of Legislation, 1910-1916 = 86
• General Character of the Legislation = 87
• CHAPTER Ⅴ THE UNIFORM SMALL LOAN LAW
• Beginnings = 89
• First Draft of the Uniform Small Loan Law = 90
• Changes in the Uniform Law = 94
• Main Provisions of the Law Summarized = 97
• CHAPTER Ⅵ THE ERA OF THE UNIFORM SMALL LOAN LAW, 1917-1932
• Progress of the Uniform Law = 99
• Other Small Loan Legislation = 107
• Wage-Assignment Legislation = 111
• Change in the Legislative Situation = 112
• CHAPTER VII EXISTING SMALL LOAN LEGISLATION
• Classification of Laws Regulating Small Loans in 36 States = 114
• CHAPTER Ⅷ THE CONSTITUTIONALITY OF SMALL LOAN LEGISLATION
• The Small Loan Business Subject to Regulation under Police Power = 131
• Regulation Restrained in Part by State and Federal Constitutions = 135
• Small Loan Legislation Valid under Principle of Constitutional Classification, Despite Restraints = 135
• Control of Small Loan Business through an Optional System = 137
• Restriction of Scope of Small Loan Laws to Loans of Certain Size = 141
• Discrimination in Interest Rates between Licensed and Unlicensed Lenders = 145
• Prohibition of the Sale of Wages(Section 16 of Uniform Small Loan Law) = 150
• Exemptions under the Small Loan Laws and Limitation of Operation of These Acts to Localities = 161
• Miscellaneous Constitutional Requirements = 167
• Who May Raise Questions on the Constitutionality of Statutes and General Principles Followed by Courts in Determining Them = 169
• Table of Cases = 173
• PART Ⅱ WAGE-ASSIGNMENT LAWS
• CHAPTER Ⅸ THE LAW OF WAGE ASSIGNMENTS PRIOR TO 1900
• Necessity of Special Treatment of Wage Assignments = 179
• Law of Wage and Salary Assignments, Independent of Statute = 181
• The Early Statutes : Protection of Creditors = 184
• The Change in Policy in Wage-Assignment Legislation : Protection of the Assignor = 186
• CHAPTER Ⅹ THE PRESENT WAGE-ASSIGNMENT LAWS
• Statutes Now in Force = 189
• Prohibition of Assignment of Unearned Wages = 190
• Limitation of Amount Recoverable by Assignee from Any One Wage Payment = 191
• Consent of Wife or Spouse = 191
• Consent of Employer = 192
• Recording of the Assignment = 193
• Notice to or Service upon the Employer within a Certain Limited Time = 194
• Furnishing the Assignor with a Copy of the Instrument or of a Detailed Memorandum of the Transaction = 194
• Execution by the Assignor in Person : Invalidity of Execution by an Attorney under Power = 195
• Limitation of Interest on Loans Secured by Wage Assignments = 195
• Form of Assignment = 197
• Forfeiture in Case a Greater Rate of Interest Is Charged Than Allowed by the Statute = 197
• Violation of the Wage-Assignment Law Made a Misdemeanor = 198
• Requirement That Loans Secured by Assignments of Future Earnings Must Precede or Concur with the Delivery of the Assignment = 198
• Regulation of the Business = 199
• Summary of Requirements = 200
• Constitutionality of Wage-Assignment Statutes = 201
• Statutes Regulating Assignment of Wages in General = 201
• Statutes Regulating Assignment of Unearned Wages = 205
• Miscellaneous Decisions under the Statutes = 208
• Existing Wage-Assignment Statutes in 39 States = 209
• CHAPTER XI THE "PURCHASE" OF "WAGES AS A LOAN OF MONEY
• The Loan Shark's Subterfuge = 218
• Legislative Treatment of Wage Purchases = 220
• Wage Purchases Apart from Statute = 222
• Renewal or Payment in Instalments as Evidence of Loan = 229
• APPENDIX FIFTH DRAFT-UNIFORM SMALL LOAN LAW = 234
• INDEX = 247