{"product_id":"the-unbanking-of-america-how-the-new-middle-class-survives-9781328745705","title":"The Unbanking of America: How the New Middle Class Survives","description":"\u003cp\u003e\"[A] startling and absorbing exposé . . . Required reading for fans of muckraking authors like Barbara Ehrenreich.\"--\u003ci\u003ePublishers Weekly, \u003c\/i\u003estarred review \u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e \"Exceptional . . . thorough, and even gut-wrenching. A significant contribution.\"--\u003ci\u003eAmerican Prospect\u003c\/i\u003e \u003cp\u003e\u003c\/p\u003e\u003cb\u003eWhy Americans are fleeing our broken banking system in growing numbers, and how alternatives are rushing in to do what banks once did\u003c\/b\u003e \u003cp\u003e\u003c\/p\u003e What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twenty-something graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their lower- and middle-income customers while serving only the wealthiest Americans.\u003cbr\u003e Lisa Servon delivers a stunning indictment of America's banks, together with eye-opening dispatches from inside a range of banking alternatives that have sprung up to fill the void. She works as a teller at RiteCheck, a check-cashing business in the South Bronx, and as a payday lender in Oakland. She looks closely at the workings of a \u003ci\u003etanda, \u003c\/i\u003e an informal lending club. And she delivers engaging, hopeful portraits of the entrepreneurs reacting to the unbanking of America by designing systems to creatively serve many of us.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Lisa Servon\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Mariner Books\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 02\/13\/2018\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 272\u003cbr\u003e\u003cb\u003eBinding Type:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.45lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 7.90h x 5.20w x 0.80d\u003cbr\u003e\u003cb\u003eISBN:\u003c\/b\u003e 9781328745705\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAbout the Author\u003c\/b\u003e\u003cbr\u003eLISA SERVON is a professor of city and regional planning at the University of Pennsylvania and a former dean of the New School. Her work on consumer financial services has been published in the \u003ci\u003eWall Street Journal\u003c\/i\u003e, the \u003ci\u003eAtlantic\u003c\/i\u003e online, \u003ci\u003eThe New Yorker \u003c\/i\u003eonline, and elsewhere.\u003cbr\u003e","brand":"booksdeli.com","offers":[{"title":"Lisa Servon \/ Paperback \/ English","offer_id":47858848956573,"sku":"9781328745705","price":29.23,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0619\/5648\/9373\/files\/img_64bc044d-7d6a-4103-a355-22f0a1d82ef8.jpg?v=1776861923","url":"https:\/\/booksdeli.com\/products\/the-unbanking-of-america-how-the-new-middle-class-survives-9781328745705","provider":"booksdeli.com","version":"1.0","type":"link"}