The Rise of the Fringe Financial Services in Winnipeg's North End: Client Experiences, Firm Legitimacy and Community-Based Alternatives

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The Rise of the Fringe Financial Services in Winnipeg's North End: Client Experiences, Firm Legitimacy and Community-Based Alternatives

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dc.contributor.author Buckland, Jerry
dc.contributor.author Martin, Thibault
dc.contributor.author Barbour, Nancy
dc.contributor.author Curran, Amelia
dc.contributor.author McDonald, Rana
dc.date.accessioned 2011-06-01T19:55:34Z
dc.date.available 2011-06-01T19:55:34Z
dc.identifier.uri http://hdl.handle.net/10680/328
dc.description.abstract This report documents research undertaken... to examine the rise of fringe financial services in Winnipeg's North End. Fringe financial services include a variety of financial services such as loans and cheque-cashing that are offered by fringe banks. Although fringe banks are becoming more common today they generally operate on the margin of the mainstream banking and credit union system in Canada. Fringe banks include pawnshops, cheque-cashing firms, payday lenders, rent-to-own firms, tax refund advancers, finance companies and 'white-label' automatic teller machine providers. This report explores client experiences with fringe banks, it examines the issue of fringe bank legitimacy and it develops a model and provides a preliminary feasibility assessment of an alternative model to fringe banks for low- income people. en_US
dc.subject Fringe Financial Services en_US
dc.subject North End of Winnipeg en_US
dc.subject Poverty en_US
dc.subject Community Economic Development en_US
dc.subject Low-Income en_US
dc.title The Rise of the Fringe Financial Services in Winnipeg's North End: Client Experiences, Firm Legitimacy and Community-Based Alternatives en_US
dc.type Article en_US

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