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Good Practices For Consumer Protection And Financial Literacy In Europe And Central Asia
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Book Synopsis Good Practices for Consumer Protection and Financial Literacy in Europe and Central Asia by : Susan L. Rutledge
Download or read book Good Practices for Consumer Protection and Financial Literacy in Europe and Central Asia written by Susan L. Rutledge and published by . This book was released on 2013 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper discusses how the importance of adequate consumer protection and financial literacy for the long-term stability of the financial sector, has been highlighted by the recent turmoil in financial markets worldwide. It presents a set of Good Practices for Consumer Protection and Financial Literacy, developed by the World Bank's Europe and Central Asia Region, using international experience as a guide. The Good Practices provide a practical tool for systematic analysis of laws, regulations and institutions involved in consumer protection and financial literacy, and allow detailed cross-country comparisons. The paper provides the four key concepts on which they are based: consumer disclosure should be simple, easy to understand and comparable; abusive business practices by financial service providers should be prohibited; consumers should have an easy, inexpensive and speedy method of resolving disputes with financial institutions; and financial education should be available to consumers so that they can understand financial services and products and make informed decisions.
Book Synopsis Good Practices for Consumer Protection and Financial Literacy in Europe and Central Asia by :
Download or read book Good Practices for Consumer Protection and Financial Literacy in Europe and Central Asia written by and published by . This book was released on 2010 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Protection and Financial Literacy by : Susan L. Rutledge
Download or read book Consumer Protection and Financial Literacy written by Susan L. Rutledge and published by . This book was released on 2010 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Protection and Financial Literacy by : Susan L. Rutledge
Download or read book Consumer Protection and Financial Literacy written by Susan L. Rutledge and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The recent turmoil in financial markets worldwide has emphasized the need for adequate consumer protection and financial literacy for long-term stability of the financial sector. This Working Paper aims to summarize key lessons from reviews of consumer protection and financial literacy in nine middle-income countries of Europe and Central Asia (Azerbaijan, Bulgaria, Croatia, the Czech Republic, Latvia, Lithuania, Romania, the Russian Federation and Slovakia). All the country assessments used a systematic common approach, based on a set of Good Practices for Consumer Protection and Financial Literacy developed by the World Bank's Europe and Central Asia Region. The objective of the Working Paper is to contribute to the international dialog on strengthening financial consumer protection and financial literacy in emerging markets.A financial consumer protection regime should meet three objectives. First, consumers should receive accurate, simple, comparable information of a financial service or product, before and after buying it. Second, consumers should have access to expedient, inexpensive and efficient mechanisms for dispute resolution with financial institutions. Third, consumers should be able to receive financial education when and how they want it. A common challenge among the nine countries is the need of an adequate institutional structure for financial consumer protection. However independent of the specific institutional structures, financial consumers should have one single agency where to submit complaints and inquiries. Financial institutions should be required to apply fair, non-coercive and reasonable practices when selling and advertising financial products and services to consumers. Personal data should also be carefully protected.
Book Synopsis Country Studies Provide Powerful Lessons in Financial Consumer Protection by : Sue Rutledge
Download or read book Country Studies Provide Powerful Lessons in Financial Consumer Protection written by Sue Rutledge and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Until the financial crisis of 2007, the global economy was adding an estimated 150 million new consumers of financial services each year. Rates of increase have since slowed but the growth continues. Most new consumers are in developing countries where consumer protection and financial literacy are still in their infancy. This is particularly true in countries that have moved from central planning to market economies where protecting consumers is necessary to ensure stable and competitive financial markets and give new consumers confidence in the formal financial systems. The global financial crisis has highlighted the importance of consumer protection and financial literacy for the stability of the financial sector. In the US, the rapid growth of complex residential mortgage products, combined with securitized instruments which were sold to poorly informed parties, has caused much turmoil. Financial institutions worldwide have been obliged to write off trillions of dollars of assets. In Europe and Central Asia (ECA) too, damage to the financial sector was serious.
Book Synopsis Handbook of Research on International Consumer Law by : Geraint G. Howells
Download or read book Handbook of Research on International Consumer Law written by Geraint G. Howells and published by Edward Elgar Publishing. This book was released on 2010 with total page 603 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a truly international effort, and one with a strong commitment to human rights by the highly reputable authors coming from different jurisdictions! The many facets of today s consumer law are presented to the reader, including developing countries a fascinating effort in a dynamically emerging field of law! We are comprehensively informed about such bread and butter areas as advertising, unfair terms, consumer guarantees, product safety and liability, consumer credit, and redress. But traditional consumer law concepts and remedies are facing challenges in more complex areas, like services of general internet where consumers and private users should enjoy equal access to universal services , with the internet where speed must not be a pretext to eliminate standards of fair dealing, with risky investment services under the problematic paradigm shift from investor protection to investor confidence . A book to read, to think about, to work with for everybody interested in the future of consumer markets and law in a time of economic crisis! Norbert Reich, University of Bremen, Germany This is a richly interesting collection of essays, written by leading names in the field. It offers a thoroughly reliable survey of key tensions and challenges in modern consumer law and brilliantly combines thematic overview with detailed analysis. It will stimulate comparative thinking, it will provide a source of information and it will be welcomed by consumer law scholars all over the world. Stephen Weatherill, University of Oxford, UK Consumer law and policy has emerged in the last half-century as a major policy concern for all nations. This Handbook of original contributions provides an international and comparative analysis of central issues in consumer law and policy in developed and developing economies. The Handbook encompasses questions of both social policy and effective business regulation. Many of the issues are common to all countries and are becoming increasingly globalised due to the growth in international trade and technological developments such as the Internet. The authors provide a broad coverage of both substantive topics and institutional questions concerning optimal approaches to enforcement and the role of class actions in consumer policy. It also includes comparative insights into the influential EU and US models of consumer law and relates consumer law to contemporary trends in human rights law. Written by a carefully selected group of international experts, this text represents an authoritative resource for understanding contemporary and future developments in consumer law. This Handbook will provide students, researchers and policymakers with an insight to the main policy debates in each context and provide models of legal regulation to assist in the evaluation of laws and the development of consumer law and policy.
Book Synopsis Bosnia and Herzegovina by : World Bank
Download or read book Bosnia and Herzegovina written by World Bank and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This 2012 microcredit sector diagnostic review complements the 2011 review of the Banking sector and analyses the following five areas of consumer protection in microcredit: i) existing institutional arrangements, ii) consumer disclosure; iii) business practices; iv) dispute resolution mechanisms; v) and financial education programs. Bosnia and Herzegovina was the largest microfinance market in Europe and Central Asia until the 2008 global crisis prompted a rapid reversal. Authorities identified consumer protection in microfinance as high priority and introduced new regulatory provisions to stabilize the sector. This review analyzes the existing consumer protection framework and offers recommendations for further improvements. The Institutional Arrangements section covers the agencies responsible for implementing consumer protection, as well as industry and consumer associations. The section on Consumer Disclosure focuses on standard formats for price and product comparison, disclosure provisions, and basic rights of consumers. The Business Practices section covers unfair or abusive practices, standard consumer contract provisions, and industry Code of Conduct. The section on Dispute Resolution focuses on internal complaints mechanisms in financial institutions and out-of-court mechanisms. The section on Financial Education focuses on measures aimed at increasing consumer financial literacy and awareness.
Book Synopsis Financial Literacy and Consumer Protection by : Organisation for Economic Co-operation and Development
Download or read book Financial Literacy and Consumer Protection written by Organisation for Economic Co-operation and Development and published by . This book was released on 2009 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: This document provides, further information on the context in which the OECD has actively taken a leadership role in proposing policy actions related to the protection and awareness of financial consumers in light of the financial crisis, especially through the elaboration of the Good Practices on Financial Education and Awareness Relating to Credit.--OECD web site.
Book Synopsis Bosnia and Herzegovina by : Weltbank
Download or read book Bosnia and Herzegovina written by Weltbank and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This 2012 microcredit sector diagnostic review complements the 2011 review of the Banking sector and analyses the following five areas of consumer protection in microcredit: i) existing institutional arrangements, ii) consumer disclosure; iii) business practices; iv) dispute resolution mechanisms; v) and financial education programs. Bosnia and Herzegovina was the largest microfinance market in Europe and Central Asia until the 2008 global crisis prompted a rapid reversal. Authorities identified consumer protection in microfinance as high priority and introduced new regulatory provisions to stabilize the sector. This review analyzes the existing consumer protection framework and offers recommendations for further improvements. The Institutional Arrangements section covers the agencies responsible for implementing consumer protection, as well as industry and consumer associations. The section on Consumer Disclosure focuses on standard formats for price and product comparison, disclosure provisions, and basic rights of consumers. The Business Practices section covers unfair or abusive practices, standard consumer contract provisions, and industry Code of Conduct. The section on Dispute Resolution focuses on internal complaints mechanisms in financial institutions and out-of-court mechanisms. The section on Financial Education focuses on measures aimed at increasing consumer financial literacy and awareness.
Book Synopsis Law Reform and Financial Markets by : K. Alexander
Download or read book Law Reform and Financial Markets written by K. Alexander and published by Edward Elgar Publishing. This book was released on 2012-01-01 with total page 361 pages. Available in PDF, EPUB and Kindle. Book excerpt: Law Reform and Financial Markets addresses how law reform can be used to support strong financial markets and draws on the Global Financial Crisis as a case study. This edited collection reflects recent developments, including the EU institutional reforms and Dodd-Frank Act 2010. The different contributions adopt a range of theoretical, contextual, and substantive perspectives, examine different domestic, regional, and international contexts and assess public and private law frameworks in considering how legal and regulatory reforms can be most effectively designed for strong financial markets. This comprehensive book will appeal to academics and postgraduates in the field of financial regulation and in cognate fields, including finance and economics, as well as to regulators and policymakers.
Download or read book Armenia written by and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Mozambique Diagnostic Review of Consumer Protection and Financial Literacy by : Weltbankgruppe
Download or read book Mozambique Diagnostic Review of Consumer Protection and Financial Literacy written by Weltbankgruppe and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The existence of a sound financial consumer protection framework is fundamental to increasing access to and usage of financial services, and the quality of those financial services, along with supporting further financial sector deepening. Financial consumer protection is a necessary precursor to building trust in the formal financial sector and thus in encouraging financial inclusion. Further, consumer protection helps ensure that expanded access benefits consumers and the economy as a whole. While increased access can result in significant economic and societal benefits, it can be neutral or even harmful if consumers: (i) cannot exercise their rights as consumers, (ii) cannot select the financial products that suit them best; and (iii) are not protected from mis-selling, fraud, and other market abuses. The main objective of a CPFL Review is to assess the legal, regulatory, and institutional frameworks for financial consumer protection in a country, with reference to the good practices. The following areas are addressed: (i) institutional arrangements, (ii) the legal and regulatory framework, (iii) transparency and disclosure, (iv) business practices, (v) complaints handling and dispute resolution mechanisms and (vi) financial literacy/capability. All parts of a financial sector can be considered, including banking, non-bank credit institutions, insurance, securities, private pensions, and credit reporting.
Book Synopsis Mozambique Diagnostic Review of Consumer Protection and Financial Literacy by : World Bank Group
Download or read book Mozambique Diagnostic Review of Consumer Protection and Financial Literacy written by World Bank Group and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Literacy Education by : Asta Zokaityte
Download or read book Financial Literacy Education written by Asta Zokaityte and published by Springer. This book was released on 2017-06-26 with total page 309 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores the issue of consumer financial education, responding to increased interest in, and calls to improve peoples’ financial literacy skills and abilities to understand and manage their money. New conceptual frameworks introduced in the book offer academic audiences an innovative way of thinking about the project on financial literacy education. Using the concepts of ‘edu-regulation’ and ‘financial knowledge democratisation’ to analyse the financial education project in the UK, the book exposes serious, and often ignored, limitations to using information and education as tools for consumer protection. It challenges the mainstream representation of financial literacy education as a viable solution to consumer financial exclusion and poverty. Instead, it argues that the project on financial literacy education fails to acknowledge important dependences between consumer financial behaviour and the socio-economic, political, and cultural context within which consumers live. Finally, it reveals how these international and national calls for ever greater financial education oversimplify and underestimate the complexity of consumer financial decision-making in our modern times.
Book Synopsis Mozambique Diagnostic Review of Consumer Protection and Financial Literacy by : Weltbankgruppe
Download or read book Mozambique Diagnostic Review of Consumer Protection and Financial Literacy written by Weltbankgruppe and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The existence of a sound financial consumer protection framework is fundamental to increasing access to and usage of financial services, and the quality of those financial services, along with supporting further financial sector deepening. Financial consumer protection is a necessary precursor to building trust in the formal financial sector and thus in encouraging financial inclusion. Further, consumer protection helps ensure that expanded access benefits consumers and the economy as a whole. While increased access can result in significant economic and societal benefits, it can be neutral or even harmful if consumers: (i) cannot exercise their rights as consumers, (ii) cannot select the financial products that suit them best; and (iii) are not protected from mis-selling, fraud, and other market abuses. The main objective of a CPFL Review is to assess the legal, regulatory, and institutional frameworks for financial consumer protection in a country, with reference to the good practices. The following areas are addressed: (i) institutional arrangements, (ii) the legal and regulatory framework, (iii) transparency and disclosure, (iv) business practices, (v) complaints handling and dispute resolution mechanisms and (vi) financial literacy/capability. All parts of a financial sector can be considered, including banking, non-bank credit institutions, insurance, securities, private pensions, and credit reporting.
Download or read book Armenia written by and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Emerging Issues in Islamic Finance Law and Practice in Malaysia by : Umar A. Oseni
Download or read book Emerging Issues in Islamic Finance Law and Practice in Malaysia written by Umar A. Oseni and published by Emerald Group Publishing. This book was released on 2019-08-26 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: Through a thorough analysis of emerging legal and regulatory issues in Islamic finance law and practice in Malaysia, this exciting new study covers issues such as blockchain technology, anti-money laundering, and FinTech in Islamic finance.
