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Author: Great Britain. Parliament. House of Commons. Treasury Committee
Publisher: The Stationery Office
ISBN: 9780215023070
Category : Business & Economics
Languages : en
Pages : 260
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Book Description
About one third of ATMs now make direct charges to consumers, and in 2004 it is estimated that UK consumers paid £140 million in charges made whilst accessing funds through cash machines. The Committee's report examines the principle and increasing trend towards charging, the clarity of presentation of these charges to the consumer, the likely impact on financial exclusion and low-income households, and key areas for action from government, regulators and the industry. Findings include that although there has been an increase in free machines as well as charging machines, their location and the lack of transparency about which machines make charges hinders genuine competition and consumer choice. Recommendations include that there should be a clearer indication of the amount of surcharge on external signage with standardised labelling for all free and charging machines. The LINK network agreement needs to improve consumer representation and its enforcement mechanisms. The trend towards ATM charges should not be allowed to exacerbate existing financial exclusion, and the Government should ensure that the switch to direct payment of benefits does not disadvantage recipients in their access to cash.
Author: Great Britain. Parliament. House of Commons. Treasury Committee
Publisher: The Stationery Office
ISBN: 9780215023070
Category : Business & Economics
Languages : en
Pages : 260
Get Book Here
Book Description
About one third of ATMs now make direct charges to consumers, and in 2004 it is estimated that UK consumers paid £140 million in charges made whilst accessing funds through cash machines. The Committee's report examines the principle and increasing trend towards charging, the clarity of presentation of these charges to the consumer, the likely impact on financial exclusion and low-income households, and key areas for action from government, regulators and the industry. Findings include that although there has been an increase in free machines as well as charging machines, their location and the lack of transparency about which machines make charges hinders genuine competition and consumer choice. Recommendations include that there should be a clearer indication of the amount of surcharge on external signage with standardised labelling for all free and charging machines. The LINK network agreement needs to improve consumer representation and its enforcement mechanisms. The trend towards ATM charges should not be allowed to exacerbate existing financial exclusion, and the Government should ensure that the switch to direct payment of benefits does not disadvantage recipients in their access to cash.
Author: Great Britain: Parliament: House of Commons: Treasury Committee
Publisher: The Stationery Office
ISBN: 9780215047717
Category : Business & Economics
Languages : en
Pages : 38
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Book Description
In response to the Treasury Committee's inquiry, Barclays, HSBC and Santander all made a public commitment to continue to provide basic bank holders with unrestricted access to cash machines. In this report, the Treasury Committee makes clear its intent to write to the other providers of basic bank accounts asking for similar clarification and urges RBS and Lloyds TSB to remove their restrictions. Restricting access to cash machines could compromise the network. In certain areas, more than a third of ATMs could be placed at risk if other providers of basic bank accounts were to take similar action or to remove themselves from the LINK system. The Committee understands the need for banks to control costs and that in this instance the financial benefits to Lloyds and RBS appear relatively small. Those affected, though, would be amongst the most vulnerable people in society. In the longer run, both the way services are offered to customers and the charges they pay need reform to secure greater banking competition
Author: Peter Cartwright
Publisher: Bloomsbury Publishing
ISBN: 184731029X
Category : Law
Languages : en
Pages : 266
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Book Description
Recent developments in law, public policy, and regulation have ensured that questions regarding the relationship between banks and their customers have seldom been out of the spotlight. This important book provides a timely, original, and critical examination of the role of the law in regulating banks in the interests of the consumer. The work examines the social and economic rationales for, and the objectives of banking regulation. In so doing, it focuses on the crucial role of regulation in the protection of the consumer. The book then provides a critical appraisal of the principal techniques by which regulation is delivered and protection ensured. Such techniques include prior approval by licensing, continued supervision, and information remedies such as disclosure. The work also looks at how the law protects depositors of insolvent banks through financial compensation schemes, and how it provides consumer redress through mechanisms for ensuring access to justice, in particular ombudsmen. Finally, the book looks at the topical question of consumer access to banking services, and considers the extent to which the law can justify placing social obligations on banks in the consumer interest. This is the first monograph to examine these important topics in this way.
Author: Bernardo Bátiz-Lazo
Publisher: Oxford University Press
ISBN: 0191085588
Category : Business & Economics
Languages : en
Pages : 290
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Book Description
Cash and Dash: How ATMs and Computers Changed Banking uses the invention and development of the automated teller machine (ATM) to explain the birth and evolution of digital banking, from the 1960s to present day. It tackles head on the drivers of long-term innovation in retail banking with emphasis on the payment system. Using a novel approach to better understanding the industrial organization of financial markets, Cash and Dash contributes to a broader discussion around innovation and labour-saving devices. It explores attitudes to the patent system, formation of standards, organizational politics, the interaction between regulation and strategy, trust and domestication, maintenance versus disruption, and the huge undertakings needed to develop online real-time banking to customers.
Author: Mary Herczog
Publisher: John Wiley & Sons
ISBN: 0470438010
Category : Travel
Languages : en
Pages : 340
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Book Description
Las Vegas can be classy or tacky, cheesy or a bit sleazy, and it's always entertaining. Get ready to cruise the hot spots, test your luck at the casinos, shop the upscale boutiques, take in the spectacular shows, hit the swinging dance clubs, or escape from the glitz and neon and take in natural wonders on refreshing day trips. This guide gives you insider info on where to go and what to do, with great advice on how to: Find the best casinos and play the most popular games Stroll the strip, where you can watch a volcano explode, see the ancient Pyramids, and explore New York, Paris, Rome, and Venice Dine on delicacies prepared by celebrity chefs such as Joel Robuchon at the Mansion (in the MGM Grand) or Emeril Lagasse at Table 10 (in the Palazzo), load up at buffets like Paris, Le Village Buffet (in the Paris Hotel), or split a sub at Capriotti's Take in spectacular entertainment from Cirque de Soleil, Blue Man Group, Penn & Teller, and many more Enjoy performances by big-name stars like Celine Dion or catch the classic topless Vegas revue, Jubilee! See shows like the magnificent Bellagio Water Fountains, hang out with dolphins at Mirage's Dolphin Habitat, or tour the inimitable Liberace Museum Like every For Dummies travel guide, Las Vegas For Dummies, Fifth Edition includes: Down-to-earth trip-planning advice What you shouldn't miss — and what you can skip The best hotels and restaurants for every budget Lots of detailed maps You'll even find a time-saving "Quick Concierge" section with key phone numbers, addresses, and handy how-to's for getting around so you won’t miss a minute of the Vegas action!
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 96
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Book Description
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 336
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Book Description
Distributed to some depository libraries in microfiche.
Author: Richard Trillo
Publisher: Rough Guides
ISBN: 9781858288598
Category : Travel
Languages : en
Pages : 826
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Book Description
The Rough Guide to Kenya is the ultimate guide to East Africa's best-known destination. Features include: a full-colour section introducing Kenya's highlights; practical advice on getting the most out of Kenya, from the well-known safari parks to the little known reserves, and the highlands, lakes and deserts to downtown Nairobi and the Indian Ocean; detailed reviews of accommodation and eating options to suit every taste and budget, including luxury lodges and local restaurants; candid coverage of Kenya's history, politics, culture and environment; and maps and plans for every region.
Author: Great Britain: Parliament: House of Commons: Treasury Committee
Publisher: The Stationery Office
ISBN: 9780215036254
Category : Business & Economics
Languages : en
Pages : 150
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Book Description
This report follows up on a previous report (HC 848-I, session 2005-06, ISBN 9780215031396), and a related publication on banking services (HC 1717, session 2005-06, ISBN 9780215031426). The Committee commends the Government's response to these earlier reports, but sets out some 33 conclusions and recommendations, including: the development of a wider range of savings options for lower income households; more protection for consumers from the risks relating to prepayment systems, such as Christmas savings schemes; the launch of a targeted national Saving Gateway scheme with the Government matching savings by low-income individuals with its own contributions; a renewed commitment from the Government to the reform and future funding of the Social Fund; the Committee commends the Government's consultation process on changes to legislation within which credit unions operate, and the possible renaming of credit unions to "community banks", the Committee further recommends that such bodies should be able to pay interest on savings.
Author: United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
ISBN:
Category : Automated tellers
Languages : en
Pages : 232
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Book Description
