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In today's world of electronic cash transfers, automated teller machines, and credit cards, the image of the musty, junk-laden pawnshop seems a relic of the past. But it is not. The 1980s witnessed a tremendous boom in pawnbroking. There are now more pawnshops than ever before in U.S. history, and they are found not only in large cities but in towns and suburbs throughout the nation. As John Caskey demonstrates in Fringe Banking, the increased public patronage of both pawnshops and commercial check-cashing outlets signals the growing number of American households now living on a cash-only basis, with no connection to any mainstream credit facilities or banking services. Fringe Banking is the first comprehensive study of pawnshops and check-cashing outlets. It profiles their operations, their customers, and their recent growth from small family-owned shops to such successful outlet chains as Cash America and ACE America's Cash Express. Further, it explains why, in spite of interest rates and fees that are substantially higher than those of banks, their use has so dramatically increased. According to Caskey, declining family earnings, changing family structures, a growing immigrant population, and lack of household budgeting skills greatly reduced the demand for bank deposit services among millions of Americans. In addition, banks responded to 1980s regulatory changes by increasing fees on deposit accounts with small balances and closing branches in numerous poor urban areas. These factors combined to leave many low- and moderate-income families without access to checking privileges, credit services, and bank loans. Pawnshops and check-cashing outlets provide such families with essentialfinancial services they cannot obtain elsewhere, and often meet additional needs by selling money orders, arranging wire transfers of funds, and handling utilities payments.

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American Express - American Express is a diversified global financial services company headquartered in the United States. The company is best known for its credit card, charge card and Traveler's cheque businesses.

Ralph Reed (American Express) - Ralph Reed was the CEO of American Express in 1957. He made the decision to issue an American Express Charge Card.

Quiet Girl with a Credit Card - Quiet Girl With A Credit Card is the debut album from Australian singer-songwriter Lisa Miller. It was released in Australia in 1996 on the W.

Credit Card (The Price is Right pricing game) - Credit Card is a pricing game on the American television game show, "The Price is Right." It is played for five prizes, each worth between $200 and $3,000.

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American Australia Business Card Credit Express - American Australia Business Card Credit Express American Express - American Express is a diversified global financial services company headquartered in the United States. The company is best known for its credit card, charge card and Traveler's cheque businesses. Ralph Reed (American Express) - Ralph Reed was the CEO of American Express in 1957. He made the decision to issue an American Express Charge Card. Quiet Girl with a Credit Card - Quiet Girl With A Credit Card is the debut album from Australian ...

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