{"id":"https://openalex.org/W2017654030","doi":"https://doi.org/10.1111/j.1745-6606.2008.00112.x","title":"Disentangling the Differences between Abusive and Predatory Lending: Professionals\u2019 Perspectives","display_name":"Disentangling the Differences between Abusive and Predatory Lending: Professionals\u2019 Perspectives","publication_year":2008,"publication_date":"2008-08-28","ids":{"openalex":"https://openalex.org/W2017654030","doi":"https://doi.org/10.1111/j.1745-6606.2008.00112.x","mag":"2017654030"},"language":"en","primary_location":{"id":"doi:10.1111/j.1745-6606.2008.00112.x","doi":"https://doi.org/10.1111/j.1745-6606.2008.00112.x","is_oa":false,"landing_page_url":"https://doi.org/10.1111/j.1745-6606.2008.00112.x","pdf_url":null,"source":{"id":"https://openalex.org/S189751245","display_name":"Journal of Consumer Affairs","issn_l":"0022-0078","issn":["0022-0078","1745-6606"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-scientific","cwts-core","fnege-3","jufo-1","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Consumer Affairs","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5062317396","display_name":"Lucy M. Delgadillo","orcid":"https://orcid.org/0000-0002-5148-045X","observed_orcids":["https://orcid.org/0000-0002-5148-045X"]},"institutions":[{"id":"https://openalex.org/I121980950","display_name":"Utah State University","ror":"https://ror.org/00h6set76","country_code":"US","type":"education","lineage":["https://openalex.org/I121980950"]},{"id":"https://openalex.org/I155093810","display_name":"University of Idaho","ror":"https://ror.org/03hbp5t65","country_code":"US","type":"education","lineage":["https://openalex.org/I155093810"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"LUCY M. DELGADILLO","raw_affiliation_strings":["1\n            Lucy M. Delgadillo is an associate professor in the Department of Family, Consumer, and Human Development, Utah State University, Logan, UT ( [email protected] ). 2Luke V. Erickson is an extension educator at the University of Idaho, Rexburg, ID ( [email protected] ). 3Kathleen W. Piercy is an associate professor in the Department of Family, Consumer, and Human Development, Utah State University, Logan, UT ( [email protected] )","University of Idaho, Moscow, United States"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"1\n            Lucy M. Delgadillo is an associate professor in the Department of Family, Consumer, and Human Development, Utah State University, Logan, UT ( [email protected] ). 2Luke V. Erickson is an extension educator at the University of Idaho, Rexburg, ID ( [email protected] ). 3Kathleen W. Piercy is an associate professor in the Department of Family, Consumer, and Human Development, Utah State University, Logan, UT ( [email protected] )","institution_ids":["https://openalex.org/I121980950","https://openalex.org/I155093810"]},{"raw_affiliation_string":"University of Idaho, Moscow, United States","institution_ids":["https://openalex.org/I155093810"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5043657200","display_name":"Luke Erickson","orcid":"https://orcid.org/0000-0003-0323-0250","observed_orcids":["https://orcid.org/0000-0003-0323-0250"]},"institutions":[{"id":"https://openalex.org/I121980950","display_name":"Utah State University","ror":"https://ror.org/00h6set76","country_code":"US","type":"education","lineage":["https://openalex.org/I121980950"]},{"id":"https://openalex.org/I155093810","display_name":"University of Idaho","ror":"https://ror.org/03hbp5t65","country_code":"US","type":"education","lineage":["https://openalex.org/I155093810"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"LUKE V. ERICKSON","raw_affiliation_strings":["1\n            Lucy M. Delgadillo is an associate professor in the Department of Family, Consumer, and Human Development, Utah State University, Logan, UT ( [email protected] ). 2Luke V. Erickson is an extension educator at the University of Idaho, Rexburg, ID ( [email protected] ). 3Kathleen W. Piercy is an associate professor in the Department of Family, Consumer, and Human Development, Utah State University, Logan, UT ( [email protected] )","University of Idaho, Moscow, United States"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"1\n            Lucy M. Delgadillo is an associate professor in the Department of Family, Consumer, and Human Development, Utah State University, Logan, UT ( [email protected] ). 2Luke V. Erickson is an extension educator at the University of Idaho, Rexburg, ID ( [email protected] ). 3Kathleen W. Piercy is an associate professor in the Department of Family, Consumer, and Human Development, Utah State University, Logan, UT ( [email protected] )","institution_ids":["https://openalex.org/I121980950","https://openalex.org/I155093810"]},{"raw_affiliation_string":"University of Idaho, Moscow, United States","institution_ids":["https://openalex.org/I155093810"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5051201492","display_name":"Kathleen Walsh Piercy","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I121980950","display_name":"Utah State University","ror":"https://ror.org/00h6set76","country_code":"US","type":"education","lineage":["https://openalex.org/I121980950"]},{"id":"https://openalex.org/I155093810","display_name":"University of Idaho","ror":"https://ror.org/03hbp5t65","country_code":"US","type":"education","lineage":["https://openalex.org/I155093810"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"KATHLEEN W. PIERCY","raw_affiliation_strings":["1\n            Lucy M. Delgadillo is an associate professor in the Department of Family, Consumer, and Human Development, Utah State University, Logan, UT ( [email protected] ). 2Luke V. Erickson is an extension educator at the University of Idaho, Rexburg, ID ( [email protected] ). 3Kathleen W. Piercy is an associate professor in the Department of Family, Consumer, and Human Development, Utah State University, Logan, UT ( [email protected] )","University of Idaho, Moscow, United States"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"1\n            Lucy M. Delgadillo is an associate professor in the Department of Family, Consumer, and Human Development, Utah State University, Logan, UT ( [email protected] ). 2Luke V. Erickson is an extension educator at the University of Idaho, Rexburg, ID ( [email protected] ). 3Kathleen W. Piercy is an associate professor in the Department of Family, Consumer, and Human Development, Utah State University, Logan, UT ( [email protected] )","institution_ids":["https://openalex.org/I121980950","https://openalex.org/I155093810"]},{"raw_affiliation_string":"University of Idaho, Moscow, United States","institution_ids":["https://openalex.org/I155093810"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":{"value":3350,"currency":"USD","value_usd":3350},"apc_paid":null,"fwci":5.7618,"has_fulltext":false,"cited_by_count":21,"citation_normalized_percentile":{"value":0.95469779,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":96},"biblio":{"volume":"42","issue":"3","first_page":"313","last_page":"334"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10632","display_name":"Housing Market and Economics","score":0.9398999810218811,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10632","display_name":"Housing Market and Economics","score":0.9398999810218811,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14154","display_name":"finance, banking, and market dynamics","score":0.01769999973475933,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11817","display_name":"Housing, Finance, and Neoliberalism","score":0.012799999676644802,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/predatory-lending","display_name":"predatory lending","score":0.9660000205039978},{"id":"https://openalex.org/keywords/mortgage-brokers","display_name":"mortgage brokers","score":0.7950000166893005},{"id":"https://openalex.org/keywords/mortgage-fraud","display_name":"mortgage fraud","score":0.8790000081062317},{"id":"https://openalex.org/keywords/mortgage-lending-regulation","display_name":"mortgage lending regulation","score":0.6510000228881836},{"id":"https://openalex.org/keywords/financial-institutions","display_name":"financial institutions","score":0.414000004529953},{"id":"https://openalex.org/keywords/mortgage-originators","display_name":"mortgage originators","score":0.6240000128746033},{"id":"https://openalex.org/keywords/consumer-protection","display_name":"consumer protection","score":0.4690000116825104}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6168071031570435},{"id":"https://openalex.org/C2779242095","wikidata":"https://www.wikidata.org/wiki/Q1200561","display_name":"Predatory pricing","level":3,"score":0.5252681970596313},{"id":"https://openalex.org/C48103436","wikidata":"https://www.wikidata.org/wiki/Q599031","display_name":"State (computer science)","level":2,"score":0.4574451148509979},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.3664480447769165},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3510236144065857},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3401182293891907},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2772856652736664},{"id":"https://openalex.org/C34447519","wikidata":"https://www.wikidata.org/wiki/Q179522","display_name":"Market economy","level":1,"score":0.1146266758441925},{"id":"https://openalex.org/C2781127519","wikidata":"https://www.wikidata.org/wiki/Q43637","display_name":"Monopoly","level":2,"score":0.0},{"id":"https://openalex.org/C11413529","wikidata":"https://www.wikidata.org/wiki/Q8366","display_name":"Algorithm","level":1,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1111/j.1745-6606.2008.00112.x","doi":"https://doi.org/10.1111/j.1745-6606.2008.00112.x","is_oa":false,"landing_page_url":"https://doi.org/10.1111/j.1745-6606.2008.00112.x","pdf_url":null,"source":{"id":"https://openalex.org/S189751245","display_name":"Journal of Consumer Affairs","issn_l":"0022-0078","issn":["0022-0078","1745-6606"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-scientific","cwts-core","fnege-3","jufo-1","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Consumer Affairs","raw_type":"journal-article"},{"id":"pmh:oai:digitalcommons.usu.edu:fchd_facpub-1118","doi":null,"is_oa":false,"landing_page_url":"https://digitalcommons.usu.edu/fchd_facpub/119","pdf_url":null,"source":{"id":"https://openalex.org/S4377196327","display_name":"Digital Commons - USU (Utah State University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I121980950","host_organization_name":"Utah State University","host_organization_lineage":["https://openalex.org/I121980950"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Human Development and Family Studies Faculty Publications","raw_type":"text"}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Peace, justice, and strong institutions","score":0.47620001435279846,"id":"https://metadata.un.org/sdg/16"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":17,"referenced_works":["https://openalex.org/W45372824","https://openalex.org/W233780979","https://openalex.org/W1526688311","https://openalex.org/W1714723801","https://openalex.org/W2021365718","https://openalex.org/W2048752781","https://openalex.org/W2139093807","https://openalex.org/W2148032130","https://openalex.org/W2294688479","https://openalex.org/W2494040287","https://openalex.org/W3087875997","https://openalex.org/W3122768656","https://openalex.org/W3123055640","https://openalex.org/W4234322080","https://openalex.org/W4236722834","https://openalex.org/W4297993686","https://openalex.org/W7099967964"],"related_works":["https://openalex.org/W392266696","https://openalex.org/W45372824","https://openalex.org/W7057809786","https://openalex.org/W1846120336","https://openalex.org/W7008566952","https://openalex.org/W2311736407","https://openalex.org/W6997105596","https://openalex.org/W2902420519","https://openalex.org/W2592568882","https://openalex.org/W2992675348"],"abstract_inverted_index":{"This":[0],"study":[1],"describes":[2],"how":[3],"mortgage":[4,45,48,80],"professionals":[5],"differentiate":[6],"abusive":[7,58],"from":[8],"predatory":[9,33,90],"lending.":[10,91],"Data":[11],"were":[12],"analyzed":[13],"qualitatively.":[14],"The":[15],"results":[16],"indicate":[17],"that":[18],"some":[19],"users":[20],"of":[21,32,89],"this":[22],"term":[23,41],"do":[24],"not":[25],"always":[26],"adhere":[27],"to":[28],"a":[29,40,86],"strict":[30],"definition":[31],"lending":[34,59],"but":[35],"rather":[36],"use":[37],"it":[38],"as":[39],"for":[42],"any":[43],"general":[44],"abuse":[46],"and":[47,55,60,67,82],"fraud.":[49],"Existing":[50],"laws":[51],"at":[52],"the":[53,64],"federal\u2010":[54],"state\u2010level":[56],"curtail":[57],"promote":[61],"fairness":[62],"in":[63],"market":[65],"place":[66],"they":[68],"are":[69,84],"highly":[70],"enforced":[71],"among":[72],"depository":[73],"financial":[74],"institutions.":[75],"However,":[76],"unregulated":[77],"nonfinancial":[78],"institutions,":[79],"brokers,":[81],"originators":[83],"still":[85],"primary":[87],"source":[88]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":1},{"year":2023,"cited_by_count":1},{"year":2022,"cited_by_count":1},{"year":2019,"cited_by_count":2},{"year":2018,"cited_by_count":2},{"year":2017,"cited_by_count":1},{"year":2015,"cited_by_count":1},{"year":2014,"cited_by_count":2},{"year":2013,"cited_by_count":1}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2016-06-24T00:00:00"}
