Impact of Bank Reform Proposals on Consumers

Impact of Bank Reform Proposals on Consumers PDF Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 604

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Impact of Bank Reform Proposals on Consumers

Impact of Bank Reform Proposals on Consumers PDF Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 604

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Independent Commission on Banking final report

Independent Commission on Banking final report PDF Author: Independent Commission on Banking
Publisher: The Stationery Office
ISBN: 9780108510984
Category : Business & Economics
Languages : en
Pages : 364

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Book Description
The Independent Commission on Banking's final recommendations aim to create a more stable and competitive basis for UK banking for the long term. The result would be a banking system that is much less likely to cause, or succumb to, financial crises and the huge costs they bring; is self-reliant, so that the taxpayer does not have to bear the losses that banks make; and is effective and efficient at providing the basic banking services of safeguarding retail deposits, operating secure payments systems, and efficiently channelling savings to productive investments in the economy. Stability is crucial and UK banks should have more equity capital and loss-absorbing debt - beyond what has so far been internationally agreed - and their retail banking activities should be structurally separated, by a ring-fence, from wholesale and investment banking activities. The Commission also address competition, which has not been properly effective in UK retail banking. They recommend a seamless switching system based on redirection for personal and small business current accounts, free of cost and risk, complemented by measures to enhance transparency. The new Financial Conduct Authority should have a clear duty to promote effective competition. Structural reform should be complete by the Basel implementation date of 2019 at the latest. These reforms would result in better-capitalised, less leveraged banking more focused on the needs of savers and borrowers in the domestic economy. At the same time UK banks would be free to flourish in global markets, but without UK taxpayer support.

Legislative Calendar

Legislative Calendar PDF Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs
Publisher:
ISBN:
Category : Banks and banking
Languages : en
Pages : 368

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Competitive Implications of the Financial Institutions Safety and Consumer Choice Act of 1991

Competitive Implications of the Financial Institutions Safety and Consumer Choice Act of 1991 PDF Author: United States. Congress. House. Committee on the Judiciary. Subcommittee on Economic and Commercial Law
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 610

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Capitalizing on Crisis

Capitalizing on Crisis PDF Author: Greta R. Krippner
Publisher: Harvard University Press
ISBN: 0674735315
Category : Social Science
Languages : en
Pages : 241

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Book Description
In the context of the recent financial crisis, the extent to which the U.S. economy has become dependent on financial activities has been made abundantly clear. In Capitalizing on Crisis, Greta Krippner traces the longer-term historical evolution that made the rise of finance possible, arguing that this development rested on a broader transformation of the U.S. economy than is suggested by the current preoccupation with financial speculation. Krippner argues that state policies that created conditions conducive to financialization allowed the state to avoid a series of economic, social, and political dilemmas that confronted policymakers as postwar prosperity stalled beginning in the late 1960s and 1970s. In this regard, the financialization of the economy was not a deliberate outcome sought by policymakers, but rather an inadvertent result of the state’s attempts to solve other problems. The book focuses on deregulation of financial markets during the 1970s and 1980s, encouragement of foreign capital into the U.S. economy in the context of large fiscal imbalances in the early 1980s, and changes in monetary policy following the shift to high interest rates in 1979. Exhaustively researched, the book brings extensive new empirical evidence to bear on debates regarding recent developments in financial markets and the broader turn to the market that has characterized U.S. society over the last several decades.

Community and Consumer Advocates' Perspectives on the Obama Administration's Financial Regulatory Reform Proposals

Community and Consumer Advocates' Perspectives on the Obama Administration's Financial Regulatory Reform Proposals PDF Author: United States. Congress. House. Committee on Financial Services
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 216

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Monthly Catalogue, United States Public Documents

Monthly Catalogue, United States Public Documents PDF Author:
Publisher:
ISBN:
Category : Government publications
Languages : en
Pages : 752

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Monthly Catalog of United States Government Publications

Monthly Catalog of United States Government Publications PDF Author:
Publisher:
ISBN:
Category : Government publications
Languages : en
Pages : 794

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The Impact of Banking Restructuring Proposals on Small Businesses' Access to Credit

The Impact of Banking Restructuring Proposals on Small Businesses' Access to Credit PDF Author: United States. Congress. House. Committee on Small Business. Subcommittee on Antitrust, Impact of Deregulation, and Privatization
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 248

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Impact of Bank Reform Proposals on Consumers

Impact of Bank Reform Proposals on Consumers PDF Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 610

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Book Description