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Author : Richard E. Gottlieb,Arthur B. Axelson,Thomas M. Hanson
Publisher : Unknown
Page : 1222 pages
File Size : 46,7 Mb
Release : 2014
Category : Class actions (Civil procedure)
ISBN : 140242261X
Author : Richard E. Gottlieb,Arthur B. Axelson,Thomas M. Hanson
Publisher : Unknown
Page : 0 pages
File Size : 53,9 Mb
Release : 2014-06-07
Category : Consumer credit
ISBN : 1402420803
The "Consumer Financial Protection Act of 2010" (CFPA), Title X of the Dodd-Frank Act, made major changes in how consumer financial services are regulated, and many of these important changes are now in effect. The Consumer Financial Services Answer Book 2014 describes in concise detail the new regulatory structure and requirements. This new publication describes: -Updated requirements under such federal statutes as the Truth in Lending Act, the Fair Credit Reporting Act, the Real Estate Settlement Procedures Act, and many others -The regulatory authority, and the limits on that authority, of the newly created federal Bureau of Consumer Financial Protection, as well as the changed authority of existing financial services regulators -The current federal requirements for mortgage loan servicing, foreclosure and eviction -The changes to the federal preemption, which require specific findings before preemption may be invoked The Consumer Financial Services Answer Book 2014 helps the practitioner, through an easy question and answer format, understand the revised regulations in such areas as: -The secondary loan market, including securitization and assignee liability -Mortgage loan servicing -Automotive financing -Privacy and identity theft In addition, the Consumer Financial Services Answer Book 2014 provides practical insight on litigation practices in this area, including special coverage on e-filing and document retention requirements as well as expert, practical insights into consumer financial class actions and other issues of emerging concern.
Author : Richard E. Gottlieb,Brett J. Natarelli
Publisher : Unknown
Page : 0 pages
File Size : 48,9 Mb
Release : 2024
Category : Consumer credit
ISBN : 1402444206
Author : Richard E. Gottlieb,Arthur B. Axelson,Thomas M. Hanson
Publisher : Unknown
Page : 1389 pages
File Size : 55,6 Mb
Release : 2011
Category : Consumer credit
ISBN : OCLC:1031458231
Author : Stuart G. Stein,Richard A. Schaberg,Laura R. Biddle
Publisher : Unknown
Page : 0 pages
File Size : 40,7 Mb
Release : 2014-06-07
Category : Bank deposits
ISBN : 1402421699
Reflecting the many statutory and regulatory changes made since the beginning of the recent economic downturn, the newly published Financial Institutions Answer Book 2014 provides, in a handy Q&A format, a comprehensive overview of the complex federal requirements regulating financial institutions in the United States. Every aspect of a financial institution life cycle is covered, from understanding the differences in regulation based on what type of charter is chosen, through ongoing capital and deposit activities requirements and major changes in corporate control, to the cessation of entity activity through merger, acquisition or entity failure. Financial Institutions Answer Book 2014 covers the entire spectrum of financial institution regulation, including: - Those regulating the creation of branch offices - Corporate governance - Executive compensation - Deposit insurance requirements - Insider and affiliate transactions - Anti-money laundering and U.S. trade sanctions - Examination and audit - Privacy and data security. Written by leading practitioners in this complex area, Financial Institutions Answer Book 2014 is an up-to-date guide to this fast-changing area of the law. It provides an excellent desk reference for the experienced practitioner, as well as a comprehensive introduction for the attorney new to the practice area.
Author : Richard E. Gottlieb,Arthur B. Axelson,Thomas M. Hanson
Publisher : Unknown
Page : 606 pages
File Size : 48,5 Mb
Release : 2011
Category : Consumer credit
ISBN : LCCN:2001924885
Author : Richard Gottlieb,Arthur Axelson,Thomas Hanson
Publisher : Practising Law Inst
Page : 652 pages
File Size : 52,5 Mb
Release : 2011
Category : Law
ISBN : 1402415702
Author : Joy Malala
Publisher : Routledge
Page : 154 pages
File Size : 54,7 Mb
Release : 2017-11-28
Category : Law
ISBN : 9781351728577
Over the last ten years mobile payment systems have revolutionised banking in some countries in Africa. In Kenya the introduction of M-Pesa, a new financial services model, has transformed the banking and financial services industry. Giving the unbanked majority access to the financial services market it has attracted over 18 million subscribers which is remarkable given that fewer than 4 million people in Kenya have bank accounts. This book addresses the legal and regulatory issues arising out of the introduction of M-Pesa in Kenya and its drive towards financial inclusion. It considers the interaction between regulation and technological innovation with a particular focus on the regulatory tools, institutional arrangements and government decisional processes through the examination as a whole of its regulatory capacity. This is done with a view to understanding the regulatory capacity of Kenya in addressing the vulnerabilities presented by technological innovation in the financial industry for consumers after financial inclusion. It also examines the way that mobile payments have been regulated by criticising the piecemeal approach that the Central Bank of Kenya has taken in addressing the legal and regulatory issues presented by mobile payments. The book argues there are significant gaps in the regulatory regime of mobile banking in Kenya.
Author : Levy
Publisher : Wolters Kluwer
Page : 1470 pages
File Size : 45,6 Mb
Release : 2016-01-01
Category : Business & Economics
ISBN : 9781454880370
Regulation of Securities: SEC Answer Book, Fifth Edition is your complete guide to understanding and complying with the day-to-day requirements of the federal securities laws that affect all public companies. Using a question-and-answer format similar to that which the SEC has embraced, this valuable desk reference provides concise, understandable answers to the most frequently asked compliance questions, and ready access to key statutes, regulations, and court decisions. Designed for both beginners and seasoned professionals, the volume contains approximately 1,400 pages organized in 23 self-contained chapters. Each chapter covers the basics before moving into the nuanced details, meeting the needs of those who seek a general understanding of a topic as well as those grappling directly with critical issues. Twice-yearly supplements keep the book current in this rapidly evolving field. Whether you are a lawyer, accountant, corporate executive, director or investor, you'll be able to quickly find concise answers to essential questions about the Dodd-Frank Act, Exchange Act registration and reporting, executive compensation disclosure, derivatives disclosure, management's discussion and analysis, audit committee responsibilities, Sarbanes-Oxley, electronic filing, interactive financial data, tender offers, proxy solicitations, insider trading, going private transactions, shareholders' rights, SEC investigations, criminal enforcement, securities class actions, and much more!
Author : Lisa Servon
Publisher : Houghton Mifflin Harcourt
Page : 264 pages
File Size : 49,8 Mb
Release : 2017-01-10
Category : Social Science
ISBN : 9780544611184
Why Americans are fleeing our broken banking system: “Startling and absorbing…Required reading for fans of muckraking authors like Barbara Ehrenreich.”—Publishers Weekly (starred review) What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twentysomething graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their lower- and middle-income customers while serving only the wealthiest Americans. Lisa Servon delivers a stunning indictment of America’s banks, together with eye-opening dispatches from inside a range of banking alternatives that have sprung up to fill the void. She works as a teller at RiteCheck, a check-cashing business in the South Bronx, and as a payday lender in Oakland. She looks closely at the workings of a tanda, an informal lending club. And she delivers engaging, hopeful portraits of the entrepreneurs reacting to the unbanking of America by designing systems to creatively serve those outside the one percent. “Valuable evidence on the fragility of the personal economies of most Americans these days.”—Kirkus Reviews “An intelligent plea for financial justice…[An] excellent book.”—The Christian Science Monitor
Author : Sunduzwayo Madise
Publisher : Springer
Page : 423 pages
File Size : 47,8 Mb
Release : 2019-03-26
Category : Business & Economics
ISBN : 9783030138318
The emergence of mobile money and other new forms of payment has changed the sovereign foundations of money. Starting as a Department for International Development funded project in Kenya, mobile money has now spread to many developing countries. This book looks at the regulatory issues that mobile money poses, and the potential risks to the financial system. It undertakes a comparative study of mobile money regimes in Kenya, Malaŵi, Tanzania, and South Africa. Although the main study is on Malaŵi, the lessons learnt are valuable to Sub Saharan Africa in understanding the regulatory issues surrounding mobile money. The main argument that this book makes is that the traditional regulatory architecture of supervising the financial services is ill-suited to supervise new forms of money like mobile money. With no requirement for a bank account, mobile money is not subject to prudential regulation. Mobile money is now considered a key developmental tool to achieve financial inclusion among the poor, rural based, unbanked, and underbanked. As opposed to traditional additive forms of financial inclusion, mobile money is transformative. In most jurisdictions where it has been launched, mobile money has largely been regulated using light-touch, with regulation following innovation. This work, however, proposes an approach based on the concept of really responsive regulation. This approach is best suited to embrace mobile money as it passes from the pre-financial inclusion to the post-financial inclusion phases of its evolution. This book will appeal to students and academics in the financial regulation field.
Author : Imad A. Moosa
Publisher : Springer
Page : 247 pages
File Size : 53,9 Mb
Release : 2016-01-12
Category : Business & Economics
ISBN : 9781137447104
Since the 2007 2008 global financial crisis, there has been much debate about the role of financial regulation and the causes of financial instability in the industry. Where studies commonly question the value of a regulated rather than free market , this book focuses on the differentiation of 'good regulation' and 'bad regulation'. This book highlights the need for financial regulation to combat corruption, and the integral link that exists between corruption and financial instability. The author evaluates the benefits and shortcomings of specific types of regulation, drawing on recent examples to illustrate each argument. The book presents compelling arguments for the regulation of leverage, liquidity, payday loans and securitisation; and debates the negative aspects of the regulation of short selling, and high-frequency trading, and of Basel-style banking regulation. The author argues that there is no free-market solution to financial instability, and rejects the idea of 'too big to fail'.
Author : Diane Bugeja
Publisher : Bloomsbury Publishing
Page : 249 pages
File Size : 50,5 Mb
Release : 2019-12-12
Category : Law
ISBN : 9781509925889
The spate of mis-selling episodes that have plagued the financial services industries in recent years has caused widespread detriment to investors. Notwithstanding numerous regulatory interventions, curtailing the incidence of poor investment advice remains a challenge for regulators, particularly because these measures are taken in a 'fire-fighting' fashion without adequate consideration being given to the root causes of mis-selling. Against this backdrop, this book focuses on the sale of complex investment products to corporate retail investors by drawing upon the widespread mis-selling of interest rate hedging products (IRHP) in the UK and beyond. It brings to the fore the relatively understudied field concerning the different degrees of investor protection mechanisms applicable to individual retail investors – as opposed to corporate retail investors – by taking stock of past regulatory reforms and forthcoming regulatory initiatives as well as, more importantly, the conclusions reached by the judiciary in IRHP mis-selling claims. The conclusions are particularly interesting: corporate retail investors are in a vulnerable position when compared to individual retail investors. The former are exposed to a heightened risk of mis-selling, meaning that regulatory intervention should be targeted accordingly. The recommendations made as a result of these findings are further supported by insights emerging from behavioural law and economic theories. This book is aimed at researchers, lawyers and students with an interest in the financial regulation field who are keen to explore potential regulatory reforms to the investment services regime that address the root causes of mis-selling, and restore a level playing field amongst all retail investors.
Author : Ruth Plato-Shinar
Publisher : Kluwer Law International B.V.
Page : 330 pages
File Size : 54,7 Mb
Release : 2016-09-15
Category : Law
ISBN : 9789041167927
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.
Author : Phoebus L. Athanassiou
Publisher : Kluwer Law International B.V.
Page : 288 pages
File Size : 51,8 Mb
Release : 2016-04-24
Category : Law
ISBN : 9789041187826
Consumer behaviour is rapidly trending towards the use of digital devices as instruments through which to transact day-to-day business. This original and timely book shows how this trend creates new opportunities not only for retail consumers but also for financial service providers, regulators and central banks. The author offers a comprehensive overview of these opportunities and their countervailing legal and regulatory challenges. The author describes and analyses in unprecedented detail the application of digital financial innovation (FinTech), and some of its core manifestations, including virtual currencies, Blockchain and distributed ledger technologies to the delivery of financial services, in areas such as: – payments; – securities clearing and settlement; – central banking; – real-time access to financial information; – instant completion of core financial transactions; – data validation and reconciliation processes; and – digital contracting (smart contracts). Also clarified are the legal and other barriers to be overcome – including cybersecurity and risks to privacy – before any widespread adoption of digital innovation in the highly regulated financial sector context can occur. As an informed assessment of the legal merits and risks of technological innovation for financial service providers and central banks, and as a contribution to establishing a conceptual framework within which to analyse and better understand the applications of digital innovation to the financial sector, this practical work is bound to be welcomed by legal practitioners and legal scholars alike with an interest in financial services. Policymakers and regulators will also appreciate its guidance on how to temper the less benevolent aspects of FinTech with targeted, risk-focused regulation, so as to promote innovation and preserve the potential benefits for financial markets and their participants alike.
