NCI: US Consumer: Debt Boom & Inflation Squeeze w/ William Black

Apr 10, 2024

01:10:29

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Episode notes

00:00 Welcome to Non Consensus Investing with Ram Ahluwalia

00:27 Introducing Will Black: A Deep Dive into U.S. Consumer Credit

01:25 The Paradox of the U.S. Consumer's Financial Health

05:02 Exploring the Impact of Pandemic Mortgage Refinancing

05:44 Delinquencies on the Rise: Analyzing the Causes

12:36 The Role of Subprime Borrowers and Underwriting in Credit Trends

19:23 The Unseen Impact of Student Loan Debt Resumption

21:22 Deconstructing the Biden Administration's Student Loan Relief Proposal

25:05 Unsecured Personal Loans: A Risky Business?

35:53 Credit Card Companies and the Rising Tide of Delinquencies

38:04 Exploring the Limits of Growth and Economic Cycles

39:30 The Uncharted Territory of Buy Now, Pay Later Services

43:34 Auto Insurance: Inflation and Tesla's Unique Challenges

50:22 The Impact of Global Competition on Manufacturing and EVs

55:43 Capital One's Acquisition of Discover: A Strategic Move?

57:50 The Future of Credit Card Networks and Interchange Fees

01:08:30 Closing Thoughts and Future Directions

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