Public Regulation Of Financial Services Costs And Benefits To Consumers
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Public Regulation Of Financial Services
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Author : Arnold A. Heggestad
language : en
Publisher:
Release Date : 1977
Public Regulation Of Financial Services written by Arnold A. Heggestad and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1977 with Bank accounts categories.
Public Regulation Of Financial Services Costs And Benefits To Consumers
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Author : Arnold A. Heggestad
language : en
Publisher: Routledge
Release Date : 2019-06-10
Public Regulation Of Financial Services Costs And Benefits To Consumers written by Arnold A. Heggestad and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-06-10 with Political Science categories.
In the many studies that have been conducted on the provision of financial services for consumers, regulation has emerged as one of the most important factors. The impact of regulation on financial service industries is a major focus of this comprehensive bibliography of relevant source materials in the field of regulatory economics. The bibliography includes entries from the major economics and finance journals published over the past twenty years, major law and business journals,government documents, books, and doctoral dissertations--all indexed according to subject matter--as well as abstracts of many of the papers.The product of extensive research, Heggestad's work is invaluable to university libraries, regulatory agencies, financial institutions, and financial experts, and is an efficient and essential reference tool for anyone wishing to study specific markets and the impact of financial regulation on them.
Public Regulation Of Financial Services
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Author : Arnold A. Heggestad
language : en
Publisher:
Release Date : 2019
Public Regulation Of Financial Services written by Arnold A. Heggestad and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with POLITICAL SCIENCE categories.
In the many studies that have been conducted on the provision of financial services for consumers, regulation has emerged as one of the most important factors. The impact of regulation on financial service industries is a major focus of this comprehensive bibliography of relevant source materials in the field of regulatory economics. The bibliograp
The Costs And Benefits Of Public Regulation Of Consumer Financial Services
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Author : Abt Associates. Research Team
language : en
Publisher:
Release Date : 1979*
The Costs And Benefits Of Public Regulation Of Consumer Financial Services written by Abt Associates. Research Team and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1979* with Banks and banking categories.
The Costs And Benefits Of Public Regulation Of Customer Financial Services
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Author : Abt Associates
language : en
Publisher:
Release Date : 1979
The Costs And Benefits Of Public Regulation Of Customer Financial Services written by Abt Associates and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1979 with Financial institutions categories.
Regulating Financial Markets
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Author : George J. Benston
language : en
Publisher:
Release Date : 1998
Regulating Financial Markets written by George J. Benston and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Business & Economics categories.
Financial services, financial firms and financial markets are regulated to a greater extent than most other products and services. In this radical book Professor George Benston provides a comprehensive critique of the justifications for financial services regulation, and provides an innovative proposal for reform. Executive Summary: Financial services, financial firms and financial markets are regulated to a greater extent than most other products and services. Financial service regulation goes back centuries. It provides benefits to governments (for example, from direct and indirect taxation of banks) and to regulated financial institutions (which gain where entry is restricted). Consumer protection is a common reason given for financial regulation. But consumers in financial markets are probably less subject to fraud, misrepresentation, discrimination and information asymmetry than consumers of other products. Concern about 'negative externalities' (costs born by others) is another argument for regulation. However, on examination it is clear there are few genuine externalities. Regulations on externality grounds is justified only for financial institutions which hold government-insured deposits; for insurance companies which provide government-mandated non-contracting third party insurance ) for instance, for cars); and for companies which underwrite long-term life insurance and annuities. Financial regulation incurs costs, borne by consumers and taxpayers, which probably exceed the benefits they receive. There are substantial unintended costs (such as reduced diversification of financial institutions and the absence of less costly and more innovative products because of restrictions on entry to financial markets). An 'optimal' regulatory system' for banks would involve substantial capital requirements, periodic reporting of assets, liabilities and capital and a 'structured early intervention' system for the authorities. For government-mandated third party liability insurance, life insurance and annuities, insurance companies should be subject to capital requirements similar to those for banks. If governments wish to protect consumers of financial products the best procedure is to establish an Ombudsman to which consumers who feel they have been mistreated can go. The proposed regulatory system 'would be almost costless to taxpayers, the regulated companies and consumers of their products and services.' Compared with existing regimes, it has the great advantage of not restricting entry to financial markets nor the introduction of new products
Estimating The Costs Of Financial Regulation
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Author : Mr.Andre Santos
language : en
Publisher: International Monetary Fund
Release Date : 2012-09-11
Estimating The Costs Of Financial Regulation written by Mr.Andre Santos and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-09-11 with Business & Economics categories.
Staff Discussion Notes showcase the latest policy-related analysis and research being developed by individual IMF staff and are published to elicit comment and to further debate. These papers are generally brief and written in nontechnical language, and so are aimed at a broad audience interested in economic policy issues. This Web-only series replaced Staff Position Notes in January 2011.
Vulnerable Consumers Financial Services And Estimating The Costs And Benefits Of Regulation
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Author : Paul J. M. Klumpes
language : en
Publisher:
Release Date : 1999
Vulnerable Consumers Financial Services And Estimating The Costs And Benefits Of Regulation written by Paul J. M. Klumpes and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999 with Consumer protection categories.
More Than You Wanted To Know
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Author : Omri Ben-Shahar
language : en
Publisher: Princeton University Press
Release Date : 2014-04-20
More Than You Wanted To Know written by Omri Ben-Shahar and has been published by Princeton University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-04-20 with Law categories.
How mandated disclosure took over the regulatory landscape—and why it failed Perhaps no kind of regulation is more common or less useful than mandated disclosure—requiring one party to a transaction to give the other information. It is the iTunes terms you assent to, the doctor's consent form you sign, the pile of papers you get with your mortgage. Reading the terms, the form, and the papers is supposed to equip you to choose your purchase, your treatment, and your loan well. More Than You Wanted to Know surveys the evidence and finds that mandated disclosure rarely works. But how could it? Who reads these disclosures? Who understands them? Who uses them to make better choices? Omri Ben-Shahar and Carl Schneider put the regulatory problem in human terms. Most people find disclosures complex, obscure, and dull. Most people make choices by stripping information away, not layering it on. Most people find they can safely ignore most disclosures and that they lack the literacy to analyze them anyway. And so many disclosures are mandated that nobody could heed them all. Nor can all this be changed by simpler forms in plainer English, since complex things cannot be made simple by better writing. Furthermore, disclosure is a lawmakers' panacea, so they keep issuing new mandates and expanding old ones, often instead of taking on the hard work of writing regulations with bite. Timely and provocative, More Than You Wanted to Know takes on the form of regulation we encounter daily and asks why we must encounter it at all.
Tighter Grip On The Economy Needed
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Author : Christian Uwagwuna
language : en
Publisher: GRIN Verlag
Release Date : 2011-04-18
Tighter Grip On The Economy Needed written by Christian Uwagwuna and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-04-18 with Business & Economics categories.
Essay from the year 2010 in the subject Economics - Macro-economics, general, grade: 67, De Montfort University Leicester, course: Contemporary Business Issue, language: English, abstract: The purpose of this paper is to consider the rationale of economic regulation, why regulation has welfare benefits and why consumers of financial services, particularly retail consumers demand regulation of the economy. A poll carried out by the BBC showed that most people want their government to have more control over the running of their economy. However, some academic liberals (Bentson, 1998) are skeptical of the benefits of such regulation. These critics of economic regulation argues variously as follows; that there is no market failures and imperfections, and that if they do exist they are not sufficiently serious to warrant regulation, and that regulation may not practically solve these failures and imperfections, and that if it does, it can only do so by imposing cost that might exceed the cost of the original problem, and that imposing regulation raises serious moral hazards, and finally, that regulation imposes a wide range of cost which is ultimately borne by consumers.