Week 3, DQ5: The "Fringe Economy"//Sociologist Howard Karger identifies the emergence of title loan businesses, payday lenders, tote-the-note car dealers, rent-to-own stores, mortgage lenders with dubious repayment terms, and similar financial operations as the "fringe economy". In his booki> Shortchanged: Life and Debt in the Fringe Economy /i>(2006), he notes how excessively high interest rates and fees amount to predatory behavior toward middle class and poor families. Do you have experience with a predatory lender or know someone who does? Have the number of such operations been increasing or decreasing in your state? /
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