Financial Services Authority Cp10 16 Mortgage Market Review

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The Foundations and Future of Financial Regulation

Author : Mads Andenas
Publisher : Routledge
ISBN 13 : 1135043361
Total Pages : 492 pages
Book Rating : 4.1/5 (35 download)

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Book Synopsis The Foundations and Future of Financial Regulation by : Mads Andenas

Download or read book The Foundations and Future of Financial Regulation written by Mads Andenas and published by Routledge. This book was released on 2013-11-20 with total page 492 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial regulation has entered into a new era, as many foundational economic theories and policies supporting the existing infrastructure have been and are being questioned following the financial crisis. Goodhart et al’s seminal monograph "Financial Regulation: Why, How and Where Now?" (Routledge:1998) took stock of the extent of financial innovation and the maturity of the financial services industry at that time, and mapped out a new regulatory roadmap. This book offers a timely exploration of the "Why, How and Where Now" of financial regulation in the aftermath of the crisis in order to map out the future trajectory of financial regulation in an age where financial stability is being emphasised as a key regulatory objective. The book is split into four sections: the objectives and regulatory landscape of financial regulation; the regulatory regime for investor protection; the regulatory regime for financial institutional safety and soundness; and macro-prudential regulation. The discussion ranges from theoretical and policy perspectives to comprehensive and critical consideration of financial regulation in the specifics. The focus of the book is on the substantive regulation of the UK and the EU, as critical examination is made of the unravelling and the future of financial regulation with comparative insights offered where relevant especially from the US. Running throughout the book is consideration of the relationship between financial regulation, financial stability and the responsibility of various actors in governance. This book offers an important contribution to continuing reflections on the role of financial regulation, market discipline and corporate responsibility in the financial sector, and upon the roles of regulatory authorities, markets and firms in ensuring the financial health and security of all in the future.

Land Law

Author : Ben McFarlane
Publisher : Oxford University Press
ISBN 13 : 0198868529
Total Pages : 1169 pages
Book Rating : 4.1/5 (988 download)

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Book Synopsis Land Law by : Ben McFarlane

Download or read book Land Law written by Ben McFarlane and published by Oxford University Press. This book was released on 2021 with total page 1169 pages. Available in PDF, EPUB and Kindle. Book excerpt: Land Law: Text, Cases, and Materials has been designed to provide students with everything they need to approach their land law course with confidence. Experts in the area, the authors combine clear and insightful commentary with carefully chosen extracts to offer students a full account of the subject. Using the popular Text, Cases and Materials format the authors take a critical approach to the subject, presenting thought-provoking analysis of the leading case-law in the area and inviting students to develop their own analytical skills ready for exams. The book can be used as a stand-alone resource, or as a complement to Land Law: Core Text, written by the same authors. Covering a broad range of topics, the authors have used their unique approach to land law to provide a consistent structure with which students and lecturers can tackle the subject. This approach arms students with the tools needed to analyse content autonomously by seeing how individual rules fit into a broader structure, leading students towards a comprehensive and advanced understanding of this complex subject area. Digital formats and resources The fifth edition is available for students and institutions to purchase in a variety of formats, and is supported by online resources. The e-book offers a mobile experience and convenient access along with functionality tools, navigation features and links that offer extra learning support: www.oxfordtextbooks.co.uk/ebooks A range of resources for this book are available online: - Self-test questions with feedback - Exclusive online chapters - Guidance on answering end-of-chapter questions - Links to further research and websites

Land Law

Author : Ben|Hopkins McFarlane (Nicholas|Nield, Sarah)
Publisher : Oxford University Press
ISBN 13 : 0198893248
Total Pages : 1163 pages
Book Rating : 4.1/5 (988 download)

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Book Synopsis Land Law by : Ben|Hopkins McFarlane (Nicholas|Nield, Sarah)

Download or read book Land Law written by Ben|Hopkins McFarlane (Nicholas|Nield, Sarah) and published by Oxford University Press. This book was released on 2024 with total page 1163 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Consumer Law and Policy

Author : Iain Ramsay
Publisher : Bloomsbury Publishing
ISBN 13 : 1782250247
Total Pages : 523 pages
Book Rating : 4.7/5 (822 download)

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Book Synopsis Consumer Law and Policy by : Iain Ramsay

Download or read book Consumer Law and Policy written by Iain Ramsay and published by Bloomsbury Publishing. This book was released on 2012-10-25 with total page 523 pages. Available in PDF, EPUB and Kindle. Book excerpt: This new edition continues to provide a critical introduction to the legal regulation of consumer markets, situating it within the context of broader debates about rationales for regulation, the role of the state and the growth of neo-liberalism. It draws on interdisciplinary sources, assessing, for example, the increased influence of behavioural economics on consumer law. It analyses the Europeanisation of consumer law and the tensions between neo-liberalism and the social market, consumer protection and consumer choice, in the establishment of the single market ground rules. The book also assesses national, regional and international responses to the world financial crisis as reflected in the regulation of consumer credit markets. This edition incorporates recent legislative and judicial developments of the law, blending substantial extracts from primary UK, EU and international legal materials.

Cities and Crisis

Author : Kuniko Fujita
Publisher : SAGE
ISBN 13 : 1446286002
Total Pages : 344 pages
Book Rating : 4.4/5 (462 download)

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Book Synopsis Cities and Crisis by : Kuniko Fujita

Download or read book Cities and Crisis written by Kuniko Fujita and published by SAGE. This book was released on 2013-08-22 with total page 344 pages. Available in PDF, EPUB and Kindle. Book excerpt: Recognizing the deep relations between politics, finance, cities and citizens, this book argues for a rejuvenated account of urban theory. The book emphasises the need to understand the importance of the 2008 global financial crisis and how the crisis affects cities nested in a variety of political economies. Situating urban theory in the current economic climate, it powerfully illuminates the dynamic between history, theory, and practice. Stressing how catastrophic social and economic calamities under the crisis lead to reorganised city structures, city life and city policies and hence new urban experience, it calls for theoretical perspectives that can speak to these challenging changes. This groundbreaking title is a must for anyone interested in urban life and its rapid movements. It will be especially useful for students and researchers in urban sociology, planning, geography, urban and regional development and urban studies

Credit, Consumers and the Law

Author : Karen Fairweather
Publisher : Routledge
ISBN 13 : 1317158075
Total Pages : 312 pages
Book Rating : 4.3/5 (171 download)

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Book Synopsis Credit, Consumers and the Law by : Karen Fairweather

Download or read book Credit, Consumers and the Law written by Karen Fairweather and published by Routledge. This book was released on 2016-10-14 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer law, particularly consumer credit law, is characterised by increasingly complex regulation in Western economies. Reacting to the Global Financial Crisis, governments in the UK, the EU, Australia, New Zealand and the United States have adopted new laws dealing with consumer credit, responsible lending, consumer guarantees and unfair contracts. Drawing together authors from all of these jurisdictions, this book analyses and evaluates these initiatives, and makes predictions as to their likely success and possible flaws.

Property Boom and Banking Bust

Author : Colin Jones
Publisher : John Wiley & Sons
ISBN 13 : 1119219213
Total Pages : 268 pages
Book Rating : 4.1/5 (192 download)

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Book Synopsis Property Boom and Banking Bust by : Colin Jones

Download or read book Property Boom and Banking Bust written by Colin Jones and published by John Wiley & Sons. This book was released on 2017-11-09 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: A fascinating analysis of the critical role commercial property investment played in the economic boom and bust during the global financial crisis The unprecedented financial boom stretching from the mid-1990s through 2008 ultimately led to the deepest recession in modern times and one of the slowest economic recoveries in history. It also resulted in the emergence of the draconian austerity policies that have swept across Europe in recent years. Property Boom and Banking Bust offers an expert insight into the complex property market dynamics that contributed to the Great Financial Crisis of 2008 and its devastating economic consequences. It is the first book to focus on a woefully underreported dimension of the crisis, namely, the significant role that lending on commercial property development played in the crisis. Among other key topics, the authors explore the philosophical and behavioral factors that propelled irresponsible bank lending and the property boom; how it led to the downfall of the banks; the impact of the credit crunch on the real estate industry generally in the wake of the financial crisis; the catastrophic effects the property bust had on property investors, both large and small; and how the financial institutions have sought to recover in the wake of the financial crisis. Provides valuable insights into what happened in previous booms and busts, particularly in the 1970s and 1980s, and how they compare with the most recent one Offers an expert assessment of the consequences of the global financial crisis for the banking system and the commercial property industry Examines strategies banks have used to recover their positions and manage the overhang of indebtedness and bad property assets Addresses strategies the real estate industry have used to recover from the collapse in property values Written in an accessible style, and featuring numerous insider case accounts from property bankers, Property Boom and Banking Bust disentangles the complex, tightly-woven factors that led to the Great Financial Crisis of 2008, while offering powerful lessons for property industry professionals on how to avoid having history repeat itself.

The Financialisation of the Citizen

Author : Guido Comparato
Publisher : Bloomsbury Publishing
ISBN 13 : 1509919236
Total Pages : 229 pages
Book Rating : 4.5/5 (99 download)

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Book Synopsis The Financialisation of the Citizen by : Guido Comparato

Download or read book The Financialisation of the Citizen written by Guido Comparato and published by Bloomsbury Publishing. This book was released on 2018-08-23 with total page 229 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book discusses the role of private law as an instrument to produce financial and social inclusion in a context characterised by the redefinition of the role of the State and by the financialisation of society. By depicting the political and economic developments behind the popular idea of financial inclusion, the book deconstructs that notion, illustrating the existence and interaction of different discourses surrounding it. The book further traces the evolution of inclusion, specifically in the European context, and thus moves on to analyse the legal rules which are most relevant for the purposes of bringing about the financialisation of the citizen. Hence, the author focuses more on four highly topical areas: access to a bank account, access to credit, over indebtedness, and financial education. Adopting a critical and inter-disciplinary approach, The Financialisation of the Citizen takes the reader through a top-down journey starting from the political economy of financialisation, to the law and policy of the European Union, and finally to more specific private law rules.

The Handbook of Banking Technology

Author : Tim Walker
Publisher : John Wiley & Sons
ISBN 13 : 1119328101
Total Pages : 403 pages
Book Rating : 4.1/5 (193 download)

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Book Synopsis The Handbook of Banking Technology by : Tim Walker

Download or read book The Handbook of Banking Technology written by Tim Walker and published by John Wiley & Sons. This book was released on 2021-02-24 with total page 403 pages. Available in PDF, EPUB and Kindle. Book excerpt: Competitive advantage in banking comes from effective use of technology The Handbook of Banking Technology provides a blueprint for the future of banking, with deep insight into the technologies at the heart of the industry. The rapid evolution of IT brings continual change and demand for investment — yet keeping pace with these changes has become an essential part of doing business. This book describes how banks can harness the power of current and upcoming technology to add business value and gain a competitive advantage; you'll learn how banks are using technology to drive business today, and which emerging trends are likely to drive the evolution of banking over the next decade. Regulation is playing an ever increasing role in banking and the impact of regulatory change on technology and the management of it are discussed — while mandatory changes put pressure on many of our high street banking brands, their ability to adapt and utilise technology will have a fundamental impact on their success in the rapidly changing marketplace. Technology costs can amount to 15 per cent or more of operational costs and bank leaders need to be able to make informed decisions about technology investments in light of the potential benefits. This book explores the depth and breadth of banking technology to help decision makers stay up to date and drive better business. Assess your current technology against the new banking paradigms Procure the systems needed to protect the bottom line Implement newer technology more efficiently and effectively Ensure compliance and drive value with appropriate technology management Technological change is driven by mass adoption of new channels, innovation from new entrants, and by banks themselves as a means of increasing revenue and reducing costs. The Handbook of Banking Technology offers a comprehensive look at the role of technology in banking, and the impact it will have in the coming years.

Competition and choice in retail banking

Author : Great Britain: Parliament: House of Commons: Treasury Committee
Publisher : The Stationery Office
ISBN 13 : 9780215558961
Total Pages : 284 pages
Book Rating : 4.5/5 (589 download)

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Book Synopsis Competition and choice in retail banking by : Great Britain: Parliament: House of Commons: Treasury Committee

Download or read book Competition and choice in retail banking written by Great Britain: Parliament: House of Commons: Treasury Committee and published by The Stationery Office. This book was released on 2011-04 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: Additional written evidence is contained in volume 3, available on the Commons website at www.parliament.uk/treascom

Germany

Author : International Monetary Fund. Monetary and Capital Markets Department
Publisher : International Monetary Fund
ISBN 13 : 1475577737
Total Pages : 118 pages
Book Rating : 4.4/5 (755 download)

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Book Synopsis Germany by : International Monetary Fund. Monetary and Capital Markets Department

Download or read book Germany written by International Monetary Fund. Monetary and Capital Markets Department and published by International Monetary Fund. This book was released on 2016-06-29 with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper evaluates the risks and vulnerabilities of the German financial system and reviews both the German regulatory and supervisory framework and implementation of the common European framework insofar as it is relevant for Germany. The country is home to two global systemically important financial institutions, Deutsche Bank AG and Allianz SE. The system is also very heterogeneous, with a range of business models and a large number of smaller banks and insurers. The regulatory landscape has changed profoundly with strengthened solvency and liquidity regulations for banks (the EU Capital Requirements Regulation and Directive IV), and the introduction of macroprudential tools.

Barbados

Author : International Monetary Fund. Monetary and Capital Markets Department
Publisher : International Monetary Fund
ISBN 13 : 1484300408
Total Pages : 64 pages
Book Rating : 4.4/5 (843 download)

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Book Synopsis Barbados by : International Monetary Fund. Monetary and Capital Markets Department

Download or read book Barbados written by International Monetary Fund. Monetary and Capital Markets Department and published by International Monetary Fund. This book was released on 2014-02-12 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper discusses key findings of the Financial System Stability Assessment Report on Barbados. Barbados has a relatively well-developed financial system, including a large offshore sector. The onshore system is dominated by large, regionally active banks. Banking services to the population are also provided by the credit union sector. With a deteriorating fiscal situation and weak growth prospects, Barbados faces considerable macroeconomic vulnerabilities. Although the financial system does not appear to be a source of immediate risk, its position appears to be deteriorating, with implications for systemic stability.

The Making of Good Supervision: Learning to Say "No"

Download The Making of Good Supervision: Learning to Say

Author : Jennifer A. Elliott
Publisher : INTERNATIONAL MONETARY FUND
ISBN 13 : 9781462310180
Total Pages : 22 pages
Book Rating : 4.3/5 (11 download)

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Book Synopsis The Making of Good Supervision: Learning to Say "No" by : Jennifer A. Elliott

Download or read book The Making of Good Supervision: Learning to Say "No" written by Jennifer A. Elliott and published by INTERNATIONAL MONETARY FUND. This book was released on 2010-05-18 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt: The quality of financial sector supervision has emerged as a key issue from the financial crisis. While most countries operated broadly under the same regulatory standards, differences emerged in supervisory approaches. The international response to this crisis has focused on the need for more and better regulations (e.g., in areas such as bank capital, liquidity and provisioning) and on developing a framework to address systemic risks, but there has been less discussion of how supervision itself could be strengthened. The IMF's work in assessing compliance with financial sector standards over the past decade in member countries suggests that while progress is being made in putting regulation in place, work remains to be done in many countries to strengthen supervision. How can this enhanced supervision be achieved? Based on an examination of lessons from the crisis and the findings of these assessments of countries' compliance with financial standards, the paper identifies the following key elements of good supervision-that it is intrusive, skeptical, proactive, comprehensive, adaptive, and conclusive. To achieve these elements, the "ability" to supervise, which requires appropriate resources, authority, organization and constructive working relationships with other agencies must be complemented by the "will" to act. Supervisors must be willing and empowered to take timely and effective action, to intrude on decision-making, to question common wisdom, and to take unpopular decisions. Developing this "will to act" is a more difficult task and requires that supervisors have a clear and unambiguous mandate, operational independence coupled with accountability, skilled staff, and a relationship with industry that avoids "regulatory capture." These essential elements of good supervision need to be given as much attention as the regulatory reforms that are being contemplated at both national and international levels. Indeed, only if supervision is strengthened can we hope to effectively deliver on the challenging-but crucial-regulatory reform agenda. For this to happen, society must stand with supervisors as they play their role as naysayers in times of exuberance.

Review of Civil Litigation Costs

Author : Great Britain. Ministry of Justice
Publisher : The Stationery Office
ISBN 13 : 9780117064034
Total Pages : 388 pages
Book Rating : 4.0/5 (64 download)

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Book Synopsis Review of Civil Litigation Costs by : Great Britain. Ministry of Justice

Download or read book Review of Civil Litigation Costs written by Great Britain. Ministry of Justice and published by The Stationery Office. This book was released on 2010 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt: In January 2009, the then Master of the Rolls, Sir Anthony Clarke, appointed Lord Justice Jackson to lead a fundamental review of the rules and principles governing the costs of civil litigation. This report intends to establish how the costs rules operate and how they impact on the behavior of both parties and lawyers.

India

Author : International Monetary Fund. Monetary and Capital Markets Department
Publisher : International Monetary Fund
ISBN 13 : 1484337085
Total Pages : 199 pages
Book Rating : 4.4/5 (843 download)

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Book Synopsis India by : International Monetary Fund. Monetary and Capital Markets Department

Download or read book India written by International Monetary Fund. Monetary and Capital Markets Department and published by International Monetary Fund. This book was released on 2018-01-19 with total page 199 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report evaluates the Observance of the Basel Core Principles for Effective Banking Supervision in India. It highlights that the supervision and regulation by the Reserve Bank of India remain strong and have improved in recent years. A key achievement is implementation of a risk-based supervisory approach that uses a complex supervisory assessment framework to guide the intensity of supervisory actions and the allocation of supervisory resources. Also, most of the Basel III framework has been implemented and cooperation arrangements, both domestically and cross-border, are now firmly in place. The system-wide asset quality review and the strengthening of prudential regulations in 2015 testify to the authorities’ commitment to transparency and a more accurate recognition of banking risks.

People’s Republic of China

Author : International Monetary Fund
Publisher : International Monetary Fund
ISBN 13 : 1475502966
Total Pages : 106 pages
Book Rating : 4.4/5 (755 download)

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Book Synopsis People’s Republic of China by : International Monetary Fund

Download or read book People’s Republic of China written by International Monetary Fund and published by International Monetary Fund. This book was released on 2012-04-05 with total page 106 pages. Available in PDF, EPUB and Kindle. Book excerpt: A detailed assessment report on the observance of China’s compliance of Basel Core Principles for effective banking supervision is presented. Regulation and supervision of China’s banking system has made impressive progress in the past few years, led by an activist, forward-looking regulator, the China Banking Regulatory Commission, with a clear safety and soundness mandate that has been supported by banks and by the State. The macroeconomic environment is characterized by rapid growth, with concerns about overheating and asset price overvaluation.

Financial Sector Assessment

Author : World Bank
Publisher : World Bank Publications
ISBN 13 : 9780821364321
Total Pages : 494 pages
Book Rating : 4.3/5 (643 download)

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Book Synopsis Financial Sector Assessment by : World Bank

Download or read book Financial Sector Assessment written by World Bank and published by World Bank Publications. This book was released on 2005-09-29 with total page 494 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the wake of the financial crises of the late 1990s, there was a surge of interest in the systematic assessment of financial sectors, with a view to identifying vulnerabilities and evaluating the sector's developmental needs. Consequently, there has been an increased demand from financial sector authorities in many countries for information on key issues and sound practices in the assessment of financial systems and the appropriate design of policy responses. In response, Financial Sector Assessmsnet presents a general analytical framework and broad guidance on approaches, methodologies and key techniques for assessing the stability and development needs of financial systems. It synthesizes current global sound practices in financial sector assessment.