Banks Consumers And Regulation

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Banks, Consumers and Regulation

Author : Peter Cartwright
Publisher : Bloomsbury Publishing
ISBN 13 : 184731029X
Total Pages : 224 pages
Book Rating : 4.8/5 (473 download)

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Book Synopsis Banks, Consumers and Regulation by : Peter Cartwright

Download or read book Banks, Consumers and Regulation written by Peter Cartwright and published by Bloomsbury Publishing. This book was released on 2004-10-01 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Recent developments in law, public policy, and regulation have ensured that questions regarding the relationship between banks and their customers have seldom been out of the spotlight. This important book provides a timely, original, and critical examination of the role of the law in regulating banks in the interests of the consumer. The work examines the social and economic rationales for, and the objectives of banking regulation. In so doing, it focuses on the crucial role of regulation in the protection of the consumer. The book then provides a critical appraisal of the principal techniques by which regulation is delivered and protection ensured. Such techniques include prior approval by licensing, continued supervision, and information remedies such as disclosure. The work also looks at how the law protects depositors of insolvent banks through financial compensation schemes, and how it provides consumer redress through mechanisms for ensuring access to justice, in particular ombudsmen. Finally, the book looks at the topical question of consumer access to banking services, and considers the extent to which the law can justify placing social obligations on banks in the consumer interest. This is the first monograph to examine these important topics in this way.

Consumer Financial Services Answer Book (2015 Edition)

Author : Richard E. Gottlieb
Publisher :
ISBN 13 : 9781402422614
Total Pages : 1222 pages
Book Rating : 4.4/5 (226 download)

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Book Synopsis Consumer Financial Services Answer Book (2015 Edition) by : Richard E. Gottlieb

Download or read book Consumer Financial Services Answer Book (2015 Edition) written by Richard E. Gottlieb and published by . This book was released on 2014 with total page 1222 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Bank Regulation, Risk Management, and Compliance

Author : Alexander Dill
Publisher : Taylor & Francis
ISBN 13 : 1000702731
Total Pages : 327 pages
Book Rating : 4.0/5 (7 download)

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Book Synopsis Bank Regulation, Risk Management, and Compliance by : Alexander Dill

Download or read book Bank Regulation, Risk Management, and Compliance written by Alexander Dill and published by Taylor & Francis. This book was released on 2019-10-01 with total page 327 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bank Regulation, Risk Management, and Compliance is a concise yet comprehensive treatment of the primary areas of US banking regulation – micro-prudential, macroprudential, financial consumer protection, and AML/CFT regulation – and their associated risk management and compliance systems. The book’s focus is the US, but its prolific use of standards published by the Basel Committee on Banking Supervision and frequent comparisons with UK and EU versions of US regulation offer a broad perspective on global bank regulation and expectations for internal governance. The book establishes a conceptual framework that helps readers to understand bank regulators’ expectations for the risk management and compliance functions. Informed by the author’s experience at a major credit rating agency in helping to design and implement a ratings compliance system, it explains how the banking business model, through credit extension and credit intermediation, creates the principal risks that regulation is designed to mitigate: credit, interest rate, market, and operational risk, and, more broadly, systemic risk. The book covers, in a single volume, the four areas of bank regulation and supervision and the associated regulatory expectations and firms’ governance systems. Readers desiring to study the subject in a unified manner have needed to separately consult specialized treatments of their areas of interest, resulting in a fragmented grasp of the subject matter. Banking regulation has a cohesive unity due in large part to national authorities’ agreement to follow global standards and to the homogenizing effects of the integrated global financial markets. The book is designed for legal, risk, and compliance banking professionals; students in law, business, and other finance-related graduate programs; and finance professionals generally who want a reference book on bank regulation, risk management, and compliance. It can serve both as a primer for entry-level finance professionals and as a reference guide for seasoned risk and compliance officials, senior management, and regulators and other policymakers. Although the book’s focus is bank regulation, its coverage of corporate governance, risk management, compliance, and management of conflicts of interest in financial institutions has broad application in other financial services sectors. Chapter 6 of this book is freely available as a downloadable Open Access PDF at http://www.taylorfrancis.com under a Creative Commons Attribution-Non Commercial-No Derivatives (CC-BY-NC-ND) 4.0 license.

Banking Law and Regulation

Author : Malloy
Publisher : Aspen Publishers Online
ISBN 13 : 1454801077
Total Pages : 4496 pages
Book Rating : 4.4/5 (548 download)

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Book Synopsis Banking Law and Regulation by : Malloy

Download or read book Banking Law and Regulation written by Malloy and published by Aspen Publishers Online. This book was released on 1987 with total page 4496 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Financial Institutions Safety and Consumer Choice Act of 1991 (H.R. 1505)

Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance
Publisher :
ISBN 13 :
Total Pages : 83 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Financial Institutions Safety and Consumer Choice Act of 1991 (H.R. 1505) by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance

Download or read book Financial Institutions Safety and Consumer Choice Act of 1991 (H.R. 1505) written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1991 with total page 83 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Financial Issues

Author : Jantiena Treurniet
Publisher : Nova Snova
ISBN 13 : 9781536162271
Total Pages : 0 pages
Book Rating : 4.1/5 (622 download)

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Book Synopsis Financial Issues by : Jantiena Treurniet

Download or read book Financial Issues written by Jantiena Treurniet and published by Nova Snova. This book was released on 2019 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Regulation of the banking industry has undergone substantial changes over the past decade. In response to the 2007-2009 financial crisis, many new bank regulations were implemented pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 or under the existing authorities of bank regulators to address apparent weaknesses in the regulatory regime. Chapter 1 provides a broad overview of selected banking-related issues, including issues related to "safety and soundness" regulation, consumer protection, community banks, large banks, what type of companies should be able to establish banks, and recent market and economic trends. Chapter 2 provides a broad overview of various banking topics--key concepts in banking, overview of regulation, recent banking legislation, and policy issues.Banks generally must comply with a variety of requirements to hold minimum levels of capital. Chapter3 provides a brief overview of these requirements and examines related policy issues. Chapter 4 first provides background information on the consumer data industry and various specialty areas. It then examines one prominent specialty area--consumer scoring--and describes various factors used to calculate credit scores. Next, it provides a general description of the current regulatory framework of the consumer data industry. Finally, the chapter discusses selected policy issues pertaining to consumer data reports. Chapter 5 provides an overview of consumer lending markets, pricing, and legislative efforts designed to facilitate efficient credit allocation and pricing.The 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank; P.L. 111-203) established the Bureau of Consumer Financial Protection (CFPB) to implement and enforce federal consumer financial law while ensuring consumers can access financial products and services as reported in chapter 6. Chapter 7 reports on the results of the audits of the fiscal years 2017 and 2016 financial statements of the Bureau of Consumer Financial Protection, known as the Consumer Financial Protection Bureau (CFPB), which is incorporated in the enclosed Financial Report of the Consumer Financial Protection Bureau for Fiscal Year 2017.Chapter 8 provides an overview of how accounting and auditing standards are created and regulated in the private sector, the federal government, and state and local governments

Do Financial Regulatory Agencies Listen to Consumers?

Author : United States. Congress. House. Committee on Banking, Currency, and Housing. Subcommittee on Consumer Affairs
Publisher :
ISBN 13 :
Total Pages : 44 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Do Financial Regulatory Agencies Listen to Consumers? by : United States. Congress. House. Committee on Banking, Currency, and Housing. Subcommittee on Consumer Affairs

Download or read book Do Financial Regulatory Agencies Listen to Consumers? written by United States. Congress. House. Committee on Banking, Currency, and Housing. Subcommittee on Consumer Affairs and published by . This book was released on 1976 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Regulatory Restructuring

Author : United States. Congress. House. Committee on Financial Services
Publisher :
ISBN 13 :
Total Pages : 288 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Regulatory Restructuring by : United States. Congress. House. Committee on Financial Services

Download or read book Regulatory Restructuring written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2009 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Do Financial Regulatory Agencies Listen to Consumers?

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Book Synopsis Do Financial Regulatory Agencies Listen to Consumers? by : United States. Congress. House. Committee on Banking, Currency, and Housing. Subcommittee on Consumer Affairs

Consumer Financial Services Act of 1977 (NOW Account Legislation)

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Book Synopsis Consumer Financial Services Act of 1977 (NOW Account Legislation) by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance

Download or read book Consumer Financial Services Act of 1977 (NOW Account Legislation) written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1977 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Regulation of Consumer Credit

Author : Sarah Brown
Publisher : Edward Elgar Publishing
ISBN 13 : 1784712493
Total Pages : 256 pages
Book Rating : 4.7/5 (847 download)

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Book Synopsis The Regulation of Consumer Credit by : Sarah Brown

Download or read book The Regulation of Consumer Credit written by Sarah Brown and published by Edward Elgar Publishing. This book was released on 2019 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: This incisive book gives a comprehensive overview of the regulation of consumer credit in both the US and the UK. It covers policy, procedure and the dynamics of the consumer credit relationship to advocate for a balanced approach in achieving more effective consumer protection.

Regulatory Burden Relief

Author : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher :
ISBN 13 :
Total Pages : 366 pages
Book Rating : 4.0/5 (18 download)

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Book Synopsis Regulatory Burden Relief by : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit

Download or read book Regulatory Burden Relief written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 1998 with total page 366 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Modernizing Consumer Protection in the Financial Regulatory System

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 240 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis Modernizing Consumer Protection in the Financial Regulatory System by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs

Download or read book Modernizing Consumer Protection in the Financial Regulatory System written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2009 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Federal Reserve System Purposes and Functions

Author : Board of Governors of the Federal Reserve System
Publisher :
ISBN 13 : 9780894991967
Total Pages : 0 pages
Book Rating : 4.9/5 (919 download)

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Book Synopsis The Federal Reserve System Purposes and Functions by : Board of Governors of the Federal Reserve System

Download or read book The Federal Reserve System Purposes and Functions written by Board of Governors of the Federal Reserve System and published by . This book was released on 2002 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications.

Reform of the nation's banking and financial systems

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Book Synopsis Reform of the nation's banking and financial systems by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance

Download or read book Reform of the nation's banking and financial systems written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1988 with total page 654 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Dodd–Frank Wall Street Reform and Consumer Protection Act

Author : Douglas D Evanoff
Publisher : World Scientific
ISBN 13 : 9814590053
Total Pages : 320 pages
Book Rating : 4.8/5 (145 download)

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Book Synopsis Dodd–Frank Wall Street Reform and Consumer Protection Act by : Douglas D Evanoff

Download or read book Dodd–Frank Wall Street Reform and Consumer Protection Act written by Douglas D Evanoff and published by World Scientific. This book was released on 2014-06-13 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this volume, what are thought to be some of the more important aspects of the Dodd–Frank Act are discussed from a number of perspectives, including that of industry scholars who have been actively involved in evaluating financial regulation, regulators who are responsible for implementing the reform, financial policy experts representing think tanks and banking trade associations, congressmen and congressional staff involved with developing the legislation, and legal scholars. The volume summarizes the act, evaluates how the new regulations are being implemented and how the implementation process is progressing, and discusses modifications that, in the views of the authors, might be needed to more effectively achieve the stated goals of the legislation. Contents:Introduction and Summary of the Act:The Dodd–Frank Act: An Overview (Douglas D Evanoff and William F Moeller)Critical Assessment of the Act:Regulating Wall Street: The Dodd–Frank Act (Matthew Richardson)Financial Stability via Regulation:Financial Stability Regulation (Daniel K Tarullo)Implementing Dodd-Frank: Identifying and Mitigating Systemic Risk (Mark Van Der Weide)Implementing the Dodd–Frank Act: Progress to Date and Recommendations for the Future (Scott D O'Malia)Dodd–Frank Act Implementation: Well Into It and No Further Ahead (Wayne A Abernathy)Financial Stability via Efficient Failure Resolution:We Must Resolve to End Too-Big-To-Fail (Sheila C Bair)The Orderly Liquidation of Lehman Brothers Holdings Inc. Under the Dodd–Frank Act (Federal Deposit Insurance Corporation)Implementing Dodd–Frank: Orderly Resolution (Martin J Gruenberg)Resolving Globally Active, Systemically Important, Financial Institutions (Federal Deposit Insurance Corporation and the Bank of England)An Alternative View: Financial Stability via Bank Breakups:Do SIFIs Have a Future? (Thomas M Hoenig)Ending Taxpayer-Funded Bailouts: Dodd–Frank Promises More Than It Can Deliver (Richard W Fisher and Harvey Rosenblum)Solving the Too-Big-To-Fail Problem (William C Dudley)Consumer Protection:Partnering: The Consumer Financial Protection Bureau and State Attorneys General (Richard Cordray)Prepared Remarks Before the National Association of Attorneys General (Richard Cordray)The Consumer Financial Protection Bureau: The Solution or the Problem? (Brenden D Soucy)Was Dodd–Frank Necessary? Needed?:The Financial Crisis and “Too-Big-To-Fail” (Barney Frank and the Minority Staff of the House Financial Services Committee)A Dissent From the Majority Report of the Financial Crisis Inquiry Commission (Peter J Wallison) Readership: Financial economists, as reading material for beginner to intermediate courses in Finance and Economics for undergraduates and MBA students, general public, and policy makers interested in the Dodd-Frank Wall Street Reform and Consumer Protection Act (2010). Key Features:A dynamic read on a very topical and controversial subject — the Dodd-Frank ActContributors from various fields and each provides a different perspective of the formation, implementation and improvements for the Dodd-Frank ActBrings together in one volume the relevant people to discuss the most important policy issues affecting the financial services industryCombines both academic and industry positions on the topic in a readable formatKeywords:Dodd-Frank;Financial Regulation;Macroprudential Regulation;Systemic Risk;Volcker Rule;Resolution Authority;Consumer Protection;Central Clearinghouses (CCPs)

Banking Regulation in Israel

Author : Ruth Plato-Shinar
Publisher : Kluwer Law International B.V.
ISBN 13 : 9041167927
Total Pages : 330 pages
Book Rating : 4.0/5 (411 download)

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Book Synopsis Banking Regulation in Israel by : Ruth Plato-Shinar

Download or read book Banking Regulation in Israel written by Ruth Plato-Shinar and published by Kluwer Law International B.V.. This book was released on 2016-09-15 with total page 330 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the aftermath of the 2008 global financial crisis, many governments are seeking ways to improve their banking regulation systems in the interests of both economic health and consumer protection. Among the globally competitive countries that withstood the crisis with no significant disruption, Israel stands out, suggesting that other countries might benefit from an in-depth analysis of its banking system. This is the first book in English to provide such an analysis, emphasizing the crucial balance between prudential regulation and conduct of business regulation, which in Israel are both regulated by the same agency, unlike the ‘Twin Peaks’ model that prevails in other market-based economies. With recommendations that are highly applicable to many countries, the book examines a broad range of issues that are of current concern to the banking community worldwide. Among these issues are the following: – the architecture of financial regulation; – nationalization and privatization of banks; – conflicts of interest in the banking system resulting from universal banking; – problems of concentration and lack of competitiveness in the banking system; – the growing power of institutional investors and their entry into traditional banking activities; – mechanisms for recovery and resolution in the event of a bank failure; – new models of banking regulation, such as self-regulation and contractual regulation; and – bank consumer protection, complaint handling and redress. Even though the book focuses on Israeli banking regulation, its detailed attention to the development of a suitable supervisory model is of immeasurable international value for regulators, lawyers, bankers, academics, and business people who are in any way connected to the banking world; particularly following the 2008 crisis and its devastating effects. It is sure to be of service as many jurisdictions continue to search for optimal tools designed to prevent another such crisis.