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Author : Solomon Osagie
Publisher :
ISBN 13 : 9781627342568
Total Pages : pages
Book Rating : 4.3/5 (425 download)
Download or read book Integrating Financial Services Regulation written by Solomon Osagie and published by . This book was released on 2018 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : John A. Tatom
Publisher : Springer Science & Business Media
ISBN 13 : 1441966374
Total Pages : 243 pages
Book Rating : 4.4/5 (419 download)
Download or read book Financial Market Regulation written by John A. Tatom and published by Springer Science & Business Media. This book was released on 2011-01-11 with total page 243 pages. Available in PDF, EPUB and Kindle. Book excerpt: What role should regulation play in financial markets? What have been the ramifications of financial regulation? To answer these and other questions regarding the efficacy of legislation on financial markets, this book examines the impact of the Gramm Leach Bliley Act (GLBA), also called the Financial Modernization Act of 1999, which fundamentally changed the financial landscape in the United States. The GLBA allows the formation of financial holding companies that can offer an integrated set of commercial banking, securities and insurance products. The tenth anniversary of the most sweeping financial legislation reform in the industry’s structure is a natural benchmark for assessing the effects of the law and for questioning whether changes are necessary in the working of this historic legislation. The importance of this review is reinforced by a variety of proposals in the last several years to reform the regulation of financial institutions that have attracted considerable attention among regulators and in the financial firms that they regulate. Most recently, the financial crisis and the failure of some large financial institutions have called into question the legitimacy of America’s current financial structure and its regulation, including to some degree the GLBA. There is no doubt that regulatory reform is front and center on today’s policy agenda. The lessons of the GLBA experience and its effects, both domestic and international, on financial markets and competitiveness, risk-taking and risk management by financial services firms and their regulators will be critical to the direction the country takes and the effort to ensure that future financial crises do not occur or have less costly damage. With contributions from academics, policy experts, and a sponsor of the GLBA, Congressman James Leach, this book is invaluable to anyone interested in financial system reform.
Author : Solomon Osagie
Publisher : Universal-Publishers
ISBN 13 : 1627342559
Total Pages : 138 pages
Book Rating : 4.6/5 (273 download)
Download or read book Integrating Financial Services Regulation written by Solomon Osagie and published by Universal-Publishers. This book was released on 2018-08-15 with total page 138 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book charts the course and the history of how the regulation of financial services has evolved looking particularly at data protection. It addresses concepts like integration theory, the behaviour of nation-states when they attempt to forge geo-political unions and the implications and outcomes of state interaction in regulatory matters. Unlike many other General Data Protection Regulation (GDPR) publications in the market, it contains useful analyses of the GDPR but it does so in a very practical and informative way. It recognises the perspectives of various interests including academics and commercial organisations and presents the subject in a compelling, historical and easy to digest manner, starting with the challenges of integration that the EU has faced. It then charts the course of general financial services regulation, focusing on the history of data protection legislation in the EU and drawing out the real challenges that are presented by the legislative framework. There is an in-depth analysis of the GDPR with examples of the derogations and areas where individual states are still able to derogate. The book ends with suggestions for the application and further review of the GDPR. In the presentation of the history of data protection regulation, the author shows the influence of the contrasting narratives of privacy rights versus the desire to enable commercial activity to thrive. There are examples of how the failure to harmonise the regulation of data processing has left individual EU states able to assert national influence so that commercial organisations have been left with a legal framework that impedes the development of a single market even with the increasing importance of big data and processing in financial services. The book then highlights key provisions of the GDPR that are designed to address some of the challenges by centralising interpretation, defining flow-downs and harmonising enforcement and regulatory provisions across the EU.
Author : Richard J. Herring
Publisher : Brookings Institution Press
ISBN 13 : 9780815791553
Total Pages : 224 pages
Book Rating : 4.7/5 (915 download)
Download or read book Financial Regulation in the Global Economy written by Richard J. Herring and published by Brookings Institution Press. This book was released on 1994-12-01 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: In recent years, the major industrialized nations have developed cooperative procedures for supervising banks, harmonized their standards for bank capital requirements, and initiated cooperative understanding about securities market supervision. This book assesses what further coordination and harmonization in financial regulation will be required in an era of increased globalization. A volume of Brookings' Integrating National Economies Series
Author : Jose de Luna-Martinez
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 52 pages
Book Rating : 4./5 ( download)
Download or read book International Survey of Integrated Financial Sector Supervision written by Jose de Luna-Martinez and published by World Bank Publications. This book was released on 2003 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Despite the intense debate on the advantages and disadvantages of adopting integrated supervision that has taken place in recent years, little is known about the experiences of countries that have adopted it and the obstacles and challenges they have faced to implement it. In an attempt to shed light on this area, the authors present the results of a survey conducted in a group of 15 countries that have adopted integrated supervision. After a brief review of the literature on integrated supervision, the authors examine four topics: 1) The reasons cited by this group of countries for establishing an integrated supervisory agency. 2) The scope of regulatory and supervisory powers of these agencies. 3) The progress of these agencies in harmonizing their regulatory and supervisory practices across the intermediaries they supervise. 4) The practical problems faced by policymakers in adopting integrated supervision. The survey revealed that the group of integrated supervisory agencies is not as homogeneous as it seems. Important differences arise with regard to the scope of regulatory and supervisory powers the agencies have been given. In fact, contrary to popular belief, less than 50 percent of the agencies can be categorized as mega-supervisors. Another finding is that in most countries progress toward the harmonization of prudential regulation and supervision across financial intermediaries remains limited. Interestingly, the survey revealed that practically all countries believe they have achieved a higher degree of harmonization in the regulation and supervision of banks and securities companies than between banks and insurance firms. The survey also identified some practical problems faced by this group of countries in establishing their unified supervisory agencies. The authors discuss these problems, along with the practical lessons and recommendations provided by the 15 agencies to other countries considering integrated supervision, in the final section of the paper.
Author : Stijn Claessens
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 48 pages
Book Rating : 4./5 ( download)
Download or read book Current Challenges in Financial Regulation written by Stijn Claessens and published by World Bank Publications. This book was released on 2006 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial intermediation and financial services industries have undergone many changes in the past two decades due to deregulation, globalization, and technological advances. The framework for regulating finance has seen many changes as well, with approaches adapting to new issues arising in specific groups of countries or globally. The objectives of this paper are twofold: to review current international thinking on what regulatory framework is needed to develop a financial sector that is stable, yet efficient, and provides proper access to households and firms; and to review the key experiences regarding international financial architecture initiatives, with a special focus on issues arising for developing countries. The paper outlines a number of areas of current debate: the special role of banks, competition policy, consumer protection, harmonization of rules-across products, within markets, and globally-and the adaptation and legitimacy of international standards to the circumstances facing developing countries. It concludes with some areas where more research would be useful.
Author :
Publisher : Cambria Press
ISBN 13 : 1621968855
Total Pages : 330 pages
Book Rating : 4.6/5 (219 download)
Download or read book Legal Aspects of Combating Corruption: The Case of Zambia written by and published by Cambria Press. This book was released on with total page 330 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Annie Mills
Publisher : John Wiley & Sons
ISBN 13 : 1118906136
Total Pages : 403 pages
Book Rating : 4.1/5 (189 download)
Download or read book Essential Strategies for Financial Services Compliance written by Annie Mills and published by John Wiley & Sons. This book was released on 2015-11-16 with total page 403 pages. Available in PDF, EPUB and Kindle. Book excerpt: A fully updated edition of the definitive guide to financial regulation In recent years, not only has the compliance field become firmly established, but it has seen staggering growth, thanks to never-ending changes in the regulatory environment. As regulation increases still further, the demand for clear guidance on navigating daily compliance issues is greater than ever. Now in its second edition, the highly successful Essential Strategies for Financial Services Compliance has been updated with the latest compliance strategies and regulatory information, making it indispensable for compliance officers, legal firms, and anyone else working with the financial services compliance function. Non-compliance represents a significant material risk for any financial services firm that fails to understand and appropriately apply regulatory standards. This Second Edition of Essential Strategies for Financial Services Compliance makes it easy to digest complex information on the regulatory framework. But this book is far from solely theoretical. A balanced approach means that both the concepts and their application are within reach. Annie Mills and Peter Haines deliver solid advice that can be applied on a day-to-day basis to manage any compliance issues that may arise. Read this book to: Understand the conceptual basis of compliance and the current regulatory environment applicable to the financial services industry Quickly and thoroughly learn the accepted best practices for everyday compliance Get up to date information on the current financial regulatory environment with this new edition Reference detailed advice as issues arise in day-to-day operations This update to the popular first edition of Essential Strategies for Financial Services Compliance will help eliminate non-compliance risk and ensure that your firm is entirely current on its ability to navigate the maze of financial services regulation.
Author : Martin Cihák
Publisher : International Monetary Fund
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.:/5 (318 download)
Download or read book Is One Watchdog Better Than Three? International Experience with Integrated Financial Sector Supervision written by Martin Cihák and published by International Monetary Fund. This book was released on 2006-03 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past two decades, there has been a clear trend toward integrating the regulation and supervision of banks, nonbank financial institutions, and securities markets. This paper reviews the international experience with integrated supervision. We survey the theoretical arguments for and against the integrated supervisory model, and use data on compliance with international standards to assess the validity of some of these arguments. We find that (i) full integration is associated with higher quality of supervision in insurance and securities and greater consistency of supervision across sectors, after controlling for the level of development; and (ii) fully integrated supervision is not associated with a significant reduction in supervisory staff.
Author : Tatyana Filipova
Publisher : Nomos Verlagsgesellschaft
ISBN 13 : 9783832925123
Total Pages : 204 pages
Book Rating : 4.9/5 (251 download)
Download or read book The Concept of Integrated Financial Supervision and Regulation of Financial Conglomerates in Germany and the United Kingdom written by Tatyana Filipova and published by Nomos Verlagsgesellschaft. This book was released on 2007 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Die Zusammenlegung von Banken-, Versicherungs- und Wertpapieraufsicht zu einer Behorde liegt seit einigen Jahren international im Trend. Diese Studie untersucht aus rechtsvergleichender Perspektive, wie das Allfinanzaufsichtskonzept in Deutschland und Groabritannien implementiert wurde, und welche Auswirkungen dies auf die Beaufsichtigung von Finanzkonglomeraten hat. Die Unterschiede zwischen Deutschland und Groabritannien bei der Regulierung von Finanzkonglomeraten werden anhand einer Reihe von historischen, wirtschaftlichen, kulturellen und politischen Faktoren erklart. Daruber hinaus zeigt die Arbeit, dass eine integrierte Aufsichtsstruktur, die lediglich durch administrative Verschmelzung sektoraler Zustandigkeiten geschaffen wird, zu inkoharenten und belastenden Regeln fuhren kann, wenn dabei die verschiedenen Aufsichtsziele, -methoden und -regeln nicht harmonisiert werden. Daher ist eine solche Struktur unter Umstanden nicht dazu geeignet, die potenziellen Vorteile der integrierten Finanzaufsicht nutzbar zu machen. Die Arbeit richtet sich insbesondere an Wissenschaftler und Praktiker, die auf dem Gebiet der Finanzregulierung tatig sind.
Author : Kenneth Kaoma Mwenda
Publisher : World Bank Publications
ISBN 13 : 082136460X
Total Pages : 182 pages
Book Rating : 4.8/5 (213 download)
Download or read book Legal Aspects of Financial Services Regulation and the Concept of a Unified Regulator written by Kenneth Kaoma Mwenda and published by World Bank Publications. This book was released on 2006-01-01 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: That different types of financial services and products continue to spring up in the financial sector of many countries is indicative of the changing landscape of the financial services industry globally. Equally important, as indicators of the evolving trajectory of financial services regulation, are increases in the number of countries where universal banking is practiced and in numbers of parent and subsidiary companies providing different types of financial services and products. This book is written against that background. A central thesis pursued in the book is that until there is a longer track record of experience with unified regulators, it is difficult to come to firm conclusions about the restructuring process of regulators, and the optimal internal structure of such agencies. In addition, the book examines the concept of an independent regulator, showing how this concept, as a corollary to the concept of a unified regulator, could strengthen the regulatory and institutional framework for financial services supervision if accountability were to be part of such a framework.
Author : Clive Briault
Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.:/5 (129 download)
Download or read book Revisiting the Rationale for a Single National Financial Services Regulator written by Clive Briault and published by . This book was released on 2005 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: In an earlier paper (Briault, 1999) I put forward the case for a single national financial services regulator. Such a regulator, covering a broad range of financial services activities and spanning both prudential and conduct of business regulation, should be well placed to deliver effective, efficient and properly differentiated regulation in the current financial environment in the UK. That paper described the formation of the UK Financial Services Authority (FSA) and similar developments in other countries. It also discussed the factors which supported the creation of an integrated financial services regulator and commented on the relationship between a single regulator and a central bank.So why revisit this case now? The purpose of this paper 1 is not simply to repeat the arguments set out in the earlier paper, but to review developments over the last three and a half years in the UK in an attempt to measure the performance of the FSA against the rationale for creating it in the first place. The FSA has gained some useful experience over this period from which to begin to draw some tentative conclusions about the success or otherwise of a single financial services regulator in the UK, even if these conclusions must be subject to qualifications at this stage. And although the FSA has been acting in most respects as a single regulator for the last three and a half years (see Briault, 1999, page 7), it only came fully into existence at midnight on 30 November 2001, when the Financial Services and Markets Act 2000 (FSMA) came into force. The quot;alphabet soupquot; of the previous regulatory bodies, as Michael Taylor once described them (Taylor, 1995, page 7), has finally disappeared.
Author : Cynthia A. Glassman
Publisher : University Press of America
ISBN 13 :
Total Pages : 104 pages
Book Rating : 4.:/5 (44 download)
Download or read book Regulating the New Financial Services Industry written by Cynthia A. Glassman and published by University Press of America. This book was released on 1988 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt: The new financial services industryóincluding banks, thrifts, securities dealers, and insurance and real estate investment companiesóis big, diverse, complex, and international in scale. The U.S. regulatory agencies that oversee various parts of this system domestically have been trying for some time to come to terms with the effects of more than a decade of rapid change in the world financial sector. Borrowers and lenders, including individuals, corporations and institutions such as pension funds, have been reacting by making adjustments to their behavior as fast, or as prudently, as possible. In this volume, four leading analysts of this rapidly evolving industry offer proposals ranging from the creation of a new kind of consumer service bank to formation of a new kind of national regulatory agency intended to promote competition within what historically has not been a very competitive structure. Chapters include U.S. Financial Institutions in a World Market by Cynthia A. Glassman; Integrating Banking with Other Financial Services by James L. Pierce; After Glass-Steagall: Financial Institution Reregulation by Roberta S. Karmel; and Financial Restructuring and Its Implications for Consumers by John H. LaFalce. Also contains a glossary of relevant terms.
Author : John A. Tatom
Publisher : Springer
ISBN 13 : 9781441966360
Total Pages : 240 pages
Book Rating : 4.9/5 (663 download)
Download or read book Financial Market Regulation written by John A. Tatom and published by Springer. This book was released on 2011-01-13 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: What role should regulation play in financial markets? What have been the ramifications of financial regulation? To answer these and other questions regarding the efficacy of legislation on financial markets, this book examines the impact of the Gramm Leach Bliley Act (GLBA), also called the Financial Modernization Act of 1999, which fundamentally changed the financial landscape in the United States. The GLBA allows the formation of financial holding companies that can offer an integrated set of commercial banking, securities and insurance products. The tenth anniversary of the most sweeping financial legislation reform in the industry’s structure is a natural benchmark for assessing the effects of the law and for questioning whether changes are necessary in the working of this historic legislation. The importance of this review is reinforced by a variety of proposals in the last several years to reform the regulation of financial institutions that have attracted considerable attention among regulators and in the financial firms that they regulate. Most recently, the financial crisis and the failure of some large financial institutions have called into question the legitimacy of America’s current financial structure and its regulation, including to some degree the GLBA. There is no doubt that regulatory reform is front and center on today’s policy agenda. The lessons of the GLBA experience and its effects, both domestic and international, on financial markets and competitiveness, risk-taking and risk management by financial services firms and their regulators will be critical to the direction the country takes and the effort to ensure that future financial crises do not occur or have less costly damage. With contributions from academics, policy experts, and a sponsor of the GLBA, Congressman James Leach, this book is invaluable to anyone interested in financial system reform.
Author : George Gilligan
Publisher : Springer
ISBN 13 : 9789041197573
Total Pages : 0 pages
Book Rating : 4.1/5 (975 download)
Download or read book Regulating the Financial Services Sector written by George Gilligan and published by Springer. This book was released on 1999-12-20 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this era of late-modern capitalism the forces of internationalisation and technological innovation are transforming both global and national economies. A key feature of these transformation processes is the increasing strategic economic, political and social importance of the financial services sector to nation states and trading blocs. The increasing size and volatility of the world's financial markets underline the importance of better understanding: how financial markets work; how they should be regulated; and the significance of the problem of white collar crime in the financial services sector. Regulating the Financial Services Sector addresses these key questions through a synthesis of legal, historical and sociological approaches in its critique of financial services regulation. This strategy integrates perspectives based in structuration theory, censure theory, modernity theory and the literature on legitimacy in its analysis of the actors, structures and processes that construct regulation and deviancy in the financial services sector. Based on a detailed analysis of regulation in the UK, the book examines the global and national forces and processes which interact to produce systems of financial services regulation. The UK regulatory system is contrasted with those of other jurisdictions, in particular the US, demonstrating the role of national and cultural factors in shaping such systems. This work will be of specific interest to financial services professionals, corporate lawyers, regulators and academics.
Author : Raphaël Douady
Publisher : Springer
ISBN 13 : 3319442872
Total Pages : 484 pages
Book Rating : 4.3/5 (194 download)
Download or read book Financial Regulation in the EU written by Raphaël Douady and published by Springer. This book was released on 2017-08-29 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial regulation has dramatically evolved and strengthened since the crisis on both sides of the Atlantic, with enhanced international coordination through the G-20 and the Financial Stability Board and, at the regional level, a definite contribution from the European Union. However the new regulatory environment has its critics, with many divergent voices arguing that over-regulation has become a root cause of our current economic stagnation. This book provides a bigger picture view of the impact and future of financial regulation in the EU, exploring the relationship between microeconomic incentives and macroeconomic growth, regulation and financial integration, and the changes required in economic policy to further European integration. Bringing together contributions from law, economics and management science, it offers readers an accessible but rigorous understanding of the current state of play of the regulatory environment, and on the future challenges. Coverage will include: • A review of the recent regulatory changes from a legal and economic perspective • Analysis of how the economic model of financial institutions and entities is impacted by the new frameworks • How to improve securitization and new instruments under MIFID II • Issues in the enhanced supervision under delegated acts for AIFMD, CRR-CRD IV and Solvency II • How long term funding can be supplied in lieu of the non-conventional monetary policies • A new architecture for a safer and more efficient European financial system Financial Regulation in the EU provides much needed clarity on the impact of new financial regulation and the future of the economy, and will prove a must have reference for all those working in, researching and affected by these changes.
Author : Mario Viola de Azevedo Cunha
Publisher : Springer Science & Business Media
ISBN 13 : 940076085X
Total Pages : 236 pages
Book Rating : 4.4/5 (7 download)
Download or read book Market Integration Through Data Protection written by Mario Viola de Azevedo Cunha and published by Springer Science & Business Media. This book was released on 2013-02-26 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the context of the continuous advance of information technologies and biomedicine, and of the creation of economic blocs, this work analyzes the role that data protection plays in the integration of markets. It puts special emphasis on financial and insurance services. Further, it identifies the differences in the data protection systems of EU member states and examines the development of common standards and principles of data protection that could help build a data protection model for Mercosur. Divided into four parts, the book starts out with a discussion of the evolution of the right to privacy, focusing on the last few decades, and taking into account the development of new technologies. The second part discusses the interaction between data protection and specific industries that serve as case studies: insurance, banking and credit reporting. The focus of this part is on generalization and discrimination, adverse selection and the processing of sensitive and genetic data. The third part of the book presents an analysis of the legislation of three EU Member States (France, Italy and UK). Specific elements of analysis that are compared are the concepts of personal and anonymous data, data protection principles, the role of the data protection authorities, the role of the data protection officer, data subjects’ rights, the processing of sensitive data, the processing of genetic data and the experience of the case studies in processing data. The book concludes with the proposal of a model for data protection that could be adopted by Mercosur, taking into account the different levels of data protection that exist in its member states.
