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Robert D. Manning    

Author of Credit Card Nation

Robert D. Manning is author of the widely acclaimed Credit Card Nation, the inspiration behind the provocative documentary In Debt We Trust: America Before the Bubble Bursts, which explores the relationship between Congress and the credit complex and how it is having an enormously negative impact on the country's financial health.

Dr. Manning is a specialist in consumer finance, financial education, retail banking deregulation, race and ethnic studies, and globalization. A frequently invited expert at US Congressional Committee hearings (US Senate Banking, Judiciary, US House Financial Services), Professor Manning's research has influenced public policy debate on consumer debt in the US and several countries including Canada, the UK, India, China, and Australia. Currently, he is involved in developing national financial literacy programs for college students, community-based alternatives to high cost rent-to-own stores, and an informal bankruptcy option for consumers seeking to retain their homes.

He is also co-organizer of the national Fair and Responsible Lending Campaign, which seeks to mobilize grassroots coalitions to reform the consumer lending/debt collection industries. He also has served as an expert witness/consultant in many federal, class-action, and civil suits on behalf of consumer borrowing rights.

In his keynotes, Robert Manning addresses the wide-ranging effects of our nation's debt, from shrinking household debt to credit card use on college campuses, and how we can responsibly deal with this growing crisis.

Videos


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Robert D. Manning - YouTube
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Speech Topics


The US Consumer-Led Rescission: Consumer Debt, Shrinking Household Debt Capacity & Responsible Debt Relief

Dr. Manning presents a unique consumer debt capacity perspective to explain the different phases and current status of the ongoing recession. This approach differs sharply from traditional business-cycle or international trade flows perspectives.

The impact of shrinking household debt capacity is analyzed in relation to the rise of the "near bankrupt." Fewer consumers will be eligible for traditional debt management programs and more will be forced to drop out of existing programs. Lastly, as US Congress, federal regulators, and financial institutions grapple with rising consumer loan defaults, the need for a national "suitability assessment" standard is becoming apparent as the pressure for less-than full balance "work-out" programs intensifies. The implications of responsible debt relief programs are discussed in the context of the viability of the present CCCS system and its future.

Credit Card Crisis: Systemic Crisis, Lax Regulation, or Bankruptcy Business Model

Credit Cards of Campus: Reality Bytes

Deregulation of Banking: Myths & Realities of Democratization of Credit

Give Yourself Credit: How to Have a Financial Life

Globalization & Democracy: American Leadership or Autocracy in the New World Order?

Books


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