Market Research Reports, Inc. has announced the addition of “Insight Report: Responsible Lending – Changing Regulatory Environment and Industry Practices” research report to their offering. See more visit - http://mrr.cm/ZUd

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Category : Banking & Finance
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Introduction to Report
 Launch Date: March 28, 2014
 Number of Pages: 41
 Geography Coverage: Global
 Available Format: PDF
Price For Single User License: USD 3,800
Price For Site User License: USD 7,600
Price For Global User License: USD 11,400
Delivery Time: Within 24 Hours (During Working Days)

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About the Report
Governments and regulatory bodies across the world
have enforced numerous measures to curb irresponsible
lending practices by banks and other credit institutions.
These bodies have also taken initiatives to create
consumer awareness about prudent borrowing to avoid
excess debt.
Excessive fees and interest rates on loans, lack of
disclosure of products’ terms and conditions, and
deceptive debt-collection practices by banks and credit
institutions contributed significantly to the financial crisis
in the US and other developed economies in 2008–2009.

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Research Findings
The improper marketing and advertising of loans and
other financial products encourage reckless borrowing by
consumers. Low levels of consumer financial literacy have
created an unclear lending situation between lender and
borrowers.
The non-availability of guidelines by monetary
authorities can sometimes pose a challenge for banks,
hindering the successful implementation of responsible
lending. A lack of guidelines can lead banks and credit
institutions to develop their own measures to comply
with regulations.
The growing middle classes in Latin America are driving
demand for credit. The strict implementation of
responsible lending regulations will decrease NPL rates
over the forecast period (2013–2017).

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Research Findings Continues…
In South Africa, there is a varying pattern of highs and
lows in the NPL ratio, suggesting unclear monetary
regulation in the country. This is due to continued reckless
lending practices by banks, and the unsuccessful
implementation of the National Credit Act.
The phenomenon of responsible lending has assumed
increased urgency since the global financial crisis, and has
become a priority for governments and other regulators
in many countries which are increasingly concerned about
the consequences of irresponsible practices in the
financial sector, particularly in banking.

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Research Findings Continues…
The US was the country most affected by the financial
crisis, and was at the forefront of enforcing responsible
lending practices in the banking industry to restore
consumer confidence in, and stability to, the industry.
Banks and credit institutions are now required to provide
customers with understandable information about the
risks and benefits of credit products so they can make
informed decisions and protect themselves from illicit
practices.

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Scope
This report highlights the key regulations enforced by
regulatory authorities across the world to curb the after-
effects of the global financial crisis.
The report gives an insight into high-growth lending
markets where risk of arrears or default is low.
The report also uses case studies to illustrate the
successful implementation of responsible lending
practices.

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Report Coverage
Executive Summary
Responsible Lending Practices in Global Retail Banking
Regional Overview of Responsible Lending Regulation
Market Attractiveness and Opportunity Analysis
Responsible Lending Practices
Appendix

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Company Coverage
1. Bank Negara Malaysia
2. JP Morgan
3. Sberbank of Russia
4. Small Industries Development Bank of India (SIDBI)
5. Wells Fargo
For more details regarding Report coverage see the last slide
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