Sentences with phrase «from consumer financial products»

Fortunately, there are resources available to comprehensively assist small business owners as they transition from consumer financial products to more appropriate business - oriented products and services.

Not exact matches

The Consumer Financial Protection Bureau (CFPB) proposed barring financial firms from including fine print in contracts that mandates arbitration in the event of a dispute over products ranging from checking accounts to credFinancial Protection Bureau (CFPB) proposed barring financial firms from including fine print in contracts that mandates arbitration in the event of a dispute over products ranging from checking accounts to credfinancial firms from including fine print in contracts that mandates arbitration in the event of a dispute over products ranging from checking accounts to credit cards.

Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, operating in a highly competitive industry; changes in the retail landscape or the loss of key retail customers; the Company's ability to maintain, extend and expand its reputation and brand image; the impacts of the Company's international operations; the Company's ability to leverage its brand value; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share, or add products; an impairment of the carrying value of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's ability to realize the anticipated benefits from its cost savings initiatives; changes in relationships with significant customers and suppliers; the execution of the Company's international expansion strategy; tax law changes or interpretations; legal claims or other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the United States and in various other nations in which we operate; the volatility of capital markets; increased pension, labor and people - related expenses; volatility in the market value of all or a portion of the derivatives we use; exchange rate fluctuations; risks associated with information technology and systems, including service interruptions, misappropriation of data or breaches of security; the Company's ability to protect intellectual property rights; impacts of natural events in the locations in which we or the Company's customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; the Company's ownership structure; the impact of future sales of its common stock in the public markets; the Company's ability to continue to pay a regular dividend; changes in laws and regulations; restatements of the Company's consolidated financial statements; and other factors.

Clinton said in a speech in Toledo, Ohio, Monday that she would push to eliminate mandatory arbitration clauses from financial products and other consumer and employment contracts, such as those for student loans.

Much of the debate over the past years about the benefits and the costs global specialization, primarily the rapid advance of China as a major manufacturing center has been less about the financial costs — the $ 12 trillion dollars of additional liquidity that the US consumers offered to the world (the cumulative US trade deficit from 1990 through 2015 compared to the over $ 3 trillion dollars in trade surplus run - up by China over this same period — and more in terms of the jobs lost and the impact of foreign products on American wages in manufacturing.

New gluten - free rules from Brussels may well incur incremental costs for bakers and snack manufacturers but with one in a hundred UK consumers estimated to be gluten intolerant, unlocking the market for gluten - free products could reap strong financial...

With an estimated one in a hundred UK consumers and one in 133 Americans potentially suffering from coeliac disease - an intolerance to gluten - unlocking the market for gluten - free products could reap strong financial gains for industry players.

Pharmaceutical manufacturers are under immense pressure to protect consumers and patients from incorrectly manufactured drugs, medicines and medical devices, as well as protect themselves from the severe legal and financial penalties of supplying faulty products.

Mr Tracy also said the cut to farm gate price — the first since the financial crisis - from $ 5.60 to $ 4.75 - $ 5 a kilogram, would be much lower if the company didn't switch from commodities to consumer brand products.

Banks and building societies should be able to offer the same tax advantages to their customers, and consumers should have the ability to access comparable products from all financial service providers.

Consumer Financial Protection Bureau Arbitration Rule Disapproval — Vote Passed (231 - 190, 12 Not Voting) The House passed the joint resolution that would provide for congressional disapproval of the Consumer Financial Protection Bureau's final arbitration rule which prohibits financial services companies that offer financial products to consumers from using arbitration clauses to stop consumers from being part of a class actionFinancial Protection Bureau Arbitration Rule Disapproval — Vote Passed (231 - 190, 12 Not Voting) The House passed the joint resolution that would provide for congressional disapproval of the Consumer Financial Protection Bureau's final arbitration rule which prohibits financial services companies that offer financial products to consumers from using arbitration clauses to stop consumers from being part of a class actionFinancial Protection Bureau's final arbitration rule which prohibits financial services companies that offer financial products to consumers from using arbitration clauses to stop consumers from being part of a class actionfinancial services companies that offer financial products to consumers from using arbitration clauses to stop consumers from being part of a class actionfinancial products to consumers from using arbitration clauses to stop consumers from being part of a class action lawsuit.

Over 50 products were represented in the ads, from consumer packaged goods and cars to financial services.

Second, the electronic and telecommunication industries have strong financial interests in consumers not being aware of potential harm from using their products.

The centerpiece of the current financial overhaul plan is a new agency dedicated to protecting consumers from risky financial products.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, including store closings, higher - than - anticipated or increasing costs, including with respect to store closings, relocation, occupancy (including in connection with lease renewals) and labor costs, the effects of competition, the risk of insufficient access to financing to implement future business initiatives, risks associated with data privacy and information security, risks associated with Barnes & Noble's supply chain, including possible delays and disruptions and increases in shipping rates, various risks associated with the digital business, including the possible loss of customers, declines in digital content sales, risks and costs associated with ongoing efforts to rationalize the digital business and the digital business not being able to perform its obligations under the Samsung commercial agreement and the consequences thereof, the risk that financial and operational forecasts and projections are not achieved, the performance of Barnes & Noble's initiatives including but not limited to its new store concept and e-commerce initiatives, unanticipated adverse litigation results or effects, potential infringement of Barnes & Noble's intellectual property by third parties or by Barnes & Noble of the intellectual property of third parties, and other factors, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 30, 2016, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

A study from the FTC found 5 % of consumers have errors on their credit reports that resulted in higher prices for insurance or financial products.

Most of this growth is expected to come from smaller investors, who have become increasingly more sophisticated consumers of financial products.

Consumer Financial Protection Bureau regulates huge payday loan industry and tries to prevent low income customers from using high interest rate lending products and getting to the debt circle.

Armed with new technology and faced with a financial recession and a landscape moving towards plastic and away from print money, banks have begun creating specific and specialized products to meet any consumer's goals or needs.

Forty - five percent don't know their credit score and 32 percent have never checked their credit reports, according to poll results released last month from Bankrate, an online aggregator of consumer financial products.

While EverBank provides many financial services from mortgage banking to investing, they're actually quite well known for their online banking and consumer products, from high yield checking and high interest savings accounts to money market accounts and CDs that are denominated in both U.S. and foreign currencies.

A score that is not good or excellent does not preclude a consumer from financial products.

By contrast, businesses that have been successful with equity crowdfunding run the gamut from those manufacturing consumer products to financial services to agricultural ventures.

«It's important to rely on guidance from a strong financial professional who can guide you through buying decisions so you don't make an inappropriate decision,» said Marv Feldman [MFG1] in an interview, president and chief executive officer of LifeHappens, a nonprofit that seeks to educate consumers about insurance products and the insurance industry.

Canadian consumers will also benefit from a new Mortgage Code that requires federal financial institutions better explain the difference between available mortgage products.

General purpose reloadable prepaid cards, though still a small segment of the consumer financial products market, have grown rapidly in past years — from $ 28.6 billion in 2009 to close to $ 65 billion in 2012 (as previously discussed).

Because of this, consumers who are in the market for this type of financial product will find a lot to choose from in EquiTrust Insurance Company's product mix.

SoFi stands out from many of the more traditional consumer financial products in so far as they don't solely rely on your credit history when determining your loan amount and rate.

Today, Credit Sudhaar is recognized by the consumers as the platform that provides credit advisory services apart from rendering financial products customized to match every user's credit profile.

Factors that could cause Blizzard Entertainment's actual future results to differ materially from those expressed in the forward - looking statements set forth in this release include, but are not limited to, sales of Blizzard Entertainment's titles, shifts in consumer spending trends, the seasonal and cyclical nature of the interactive game market, Blizzard Entertainment's ability to predict consumer preferences among competing hardware platforms (including next - generation hardware), declines in software pricing, product returns and price protection, product delays, retail acceptance of Blizzard Entertainment's products, adoption rate and availability of new hardware and related software, industry competition, rapid changes in technology and industry standards, protection of proprietary rights, litigation against Blizzard Entertainment, maintenance of relationships with key personnel, customers, vendors and third - party developers, domestic and international economic, financial and political conditions and policies, foreign exchange rates, integration of recent acquisitions and the identification of suitable future acquisition opportunities, Activision Blizzard's success in integrating the operations of Activision Publishing and Vivendi Games in a timely manner, or at all, and the combined company's ability to realize the anticipated benefits and synergies of the transaction to the extent, or in the timeframe, anticipated.

Kiran's experience includes advising a FTSE 100 energy company on its global HR and payroll outsourcing, advising a FTSE 100 financial institution on a framework agreement for procuring IT services from a single supplier (including applications development and support and maintenance services), advising a central government department on the procurement of financial advisory services, advising a multinational infrastructure group on the procurement of its treasury management system using a cloud hosting solution, advising an international supplier of insulation, roofing and construction products on its procurement of an ERP system and advising an international packaging business on its terms and conditions for online selling to consumers.

Researching and bringing lawsuits to remove defective products, drugs and devices from the market; making sloppy and incompetent medical care costly; exposing financial fraud — these are the tasks of the consumer - oriented trial attorney.

She handles in - house searches ranging from corporate counsel positions to general counsel roles in a variety of industries, including manufacturing, higher education, healthcare, consumer products, telecommunications, retail, technology, pharmaceuticals, professional services and financial services.

His representative patent litigation cases have involved technologies from a variety of fields, including automotive telematics, display systems, and monitoring systems, textile chemical treatments, automotive glass, encryption technology, online and mobile financial service apps and computer systems, and health and wellness consumer products.

To go into effect next Spring, the final rule would have prohibited providers of certain consumer financial products and services from using an agreement with... Read More

For more than 20 years, Alice has represented clients across the country and from various industries, including consumer products, manufacturing, financial services, insurance, retirement plan products and real estate investments.

From our offices in Washington, DC, Los Angeles, Miami, New York, Atlanta, Dallas, London and other key commercial centers, we have advised policyholders with traditional and emerging insurance products in virtually every sector of the economy, including financial services, utilities, energy, natural resources, health care, chemicals, pharmaceuticals, consumer products, telecommunications, technology, e-commerce, manufacturing and more.

This trend makes it very difficult for the consumer to identify one product from another, resulting in the loss of financial resources to develop and market products.

Consumers should also check the financial stability of a life insurance provider from a third party rating system before putting money into a product.

AccuQuote helps its consumers find the best values in term life insurance by comparing prices, features and financial strength ratings for hundreds of life insurance products from more than 140 companies.

With over 80 offices in the country, this company is known for its simple yet best - in - class products & solutions that help Indian consumers to plan their financial goals and simultaneously protect them from the unforeseen exigencies of life.

Co-founders Jeremy Allaire and Sean Neville join CoinDesk for an intimate fireside chat that explores topics ranging from structuring global - scale financial operations, to marketing to mainstream consumers and innovating on product.

«The bureau is authorized by the Dodd - Frank Act to take action to prevent covered persons or service providers from committing unfair, deceptive, or abusive acts or practices in connection with the offering or provision of consumer financial products or services, including any unfair, deceptive or abusive practices related to data security,» the bureau said in a statement provided to the E-Commerce Times by spokesperson David Mayorga.

The CFPB's stated role is to «prevent harm to consumers from unlawful financial practices and ensure that markets for consumer financial products and services are fair, transparent, and competitive.»

Fran LaMattina brings 30 years of business experience in marketing, sales, finance, and operations gained from leadership in telecom, financial services, consumer products, and non-profits.

According to the report, data brokers are «companies that collect information, including personal information about consumers, from a wide variety of sources for the purpose of reselling such information to their customers for various purposes, including verifying an individual's identity, differentiating records, marketing products, and preventing financial fraud.»

New mortgage lending standards were put into place this month by the Consumer Financial Protection Bureau to protect borrowers from the risky home loan products that contributed to the foreclosure crisis of the last decade.