Download or read book Access to Cash Machines for Basic Bank Account Holders written by Great Britain: Parliament: House of Commons: Treasury Committee and published by The Stationery Office. This book was released on 2012-08-31 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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
Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Download or read book Internal Revenue Cumulative Bulletin written by United States. Internal Revenue Service and published by . This book was released on 1992 with total page 920 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Code of Federal Regulations written by and published by . This book was released on 2007 with total page 962 pages. Available in PDF, EPUB and Kindle. Book excerpt: Special edition of the Federal register, containing a codification of documents of general applicability and future effect as of Jan. ... with ancillaries.
Download or read book Lost Security Holders written by United States. General Accounting Office and published by . This book was released on 2001 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Financialization written by Chris Hann and published by Berghahn Books. This book was released on 2020-08-01 with total page 358 pages. Available in PDF, EPUB and Kindle. Book excerpt: Beginning with an original historical vision of financialization in human history, this volume then continues with a rich set of contemporary ethnographic case studies from Europe, Asia and Africa. Authors explore the ways in which finance inserts itself into relationships of class and kinship, how it adapts to non-Western religious traditions, and how it reconfigures legal and ecological dimensions of social organization, and urban social relations in general. Central themes include the indebtedness of individuals and households, the impact of digital technologies, the struggle for housing, financial education, and political contestation.
Download or read book Building Societies and Financial Services written by Julian Kaye and published by Building Societies Associat. This book was released on 1989 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Law Reform and Financial Markets written by K. Alexander and published by Edward Elgar Publishing. This book was released on 2012-01-01 with total page 361 pages. Available in PDF, EPUB and Kindle. Book excerpt: Law Reform and Financial Markets addresses how law reform can be used to support strong financial markets and draws on the Global Financial Crisis as a case study. This edited collection reflects recent developments, including the EU institutional reforms and Dodd-Frank Act 2010. The different contributions adopt a range of theoretical, contextual, and substantive perspectives, examine different domestic, regional, and international contexts and assess public and private law frameworks in considering how legal and regulatory reforms can be most effectively designed for strong financial markets. This comprehensive book will appeal to academics and postgraduates in the field of financial regulation and in cognate fields, including finance and economics, as well as to regulators and policymakers.
Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by . This book was released on 2014 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Download or read book The Lazarus Heist written by Geoff White and published by Penguin UK. This book was released on 2022-06-09 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt: BASED ON THE NO 1 HIT PODCAST 'The Lazarus Heist' 'You'll never see North Korea the same way again' Oliver Bullough, author of Moneyland 'One of the most incredible cyber-espionage stories I've ever heard' Jamie Bartlett, author of The Missing Crypto Queen 'Pacy and eye-popping' - Tom Burgis, author of Kleptopia They have been accused of causing mayhem in Hollywood with 2014's infamous Sony hack. They're allegedly behind WannaCry, a cyber-attack which brought NHS hospitals to a dangerous standstill. And it has been claimed that they have stolen more than $ 1bn in an international crime spree. They are the Lazarus Group, a shadowy cabal of hackers accused of working on behalf of the North Korean state. From the streets of Dhaka to the casinos of Macau to the secretive capital of Pyongyang, this shocking story uncovers the secret world of the Lazarus Group, their victims and those who have tried - and so far, failed - to stop them. 'Madly intriguing' Guardian
Download or read book The Massachusetts register written by and published by . This book was released on 1987 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book America the Owner s Manual written by Bob Graham and published by CQ Press. This book was released on 2016-07-15 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2016, Americans fed up with the political process vented that frustration with their votes. Republicans nominated for president a wealthy businessman and former reality show host best known on the campaign trail for his sharp rhetoric against immigration and foreign trade. Democrats nearly selected a self-described socialist who ran on a populist platform against the influence of big money in politics. While it is not surprising that Americans would channel their frustrations into votes for contenders who pledge to end business as usual, the truth is that we don’t have to pin our hopes for greater participation on any one candidate. All of us have a say—if we learn, master and practice the skills of effective citizenship. One of the biggest roadblocks to participation in democracy is the perception that privileged citizens and special interests command the levers of power and that everyday Americans can’t fight City Hall. That perception is undoubtedly why a 2015 Pew Charitable Trusts survey found that 74 percent of those Americans surveyed believed that most elected officials didn't care what people like them thought. Graham and Hand intend to change that conventional wisdom by showing citizens how to flex their citizenship muscles. They describe effective citizenship skills and provide tips from civic experts. Even more importantly, they offer numerous examples of everyday Americans who have used their skills to make democracy respond. The reader will see themselves in these examples of citizens who chose to be victorious participants rather than tranquil spectators in the arena of democracy. By the end of the book, you will have new confidence that citizen participation is the lifeblood of America -- and will be ready to make governments work for you, not the other way around.
Download or read book An Examination of Wells Fargo s Unauthorized Accounts and the Regulatory Response written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2017 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Title 50 Wildlife and Fisheries Parts 600 to 659 Revised as of October 1 2013 written by Office of The Federal Register, Enhanced by IntraWEB, LLC and published by IntraWEB, LLC and Claitor's Law Publishing. This book was released on 2013-10-01 with total page 903 pages. Available in PDF, EPUB and Kindle. Book excerpt: 50 CFR Wildlife and Fisheries
Download or read book Donor Advised Funds written by Bruce R. Hopkins and published by Dorrance Publishing. This book was released on 2020-06-12 with total page 250 pages. Available in PDF, EPUB and Kindle. Book excerpt: Donor-Advised Funds: Law and Policy By: Bruce R. Hopkins Donor-Advised Funds: Law and Policy summarizes the extensive body of law and explores the many policy issues surrounding the nation’s hottest charitable giving vehicle and strategy: the donor-advised fund. The book provides a detailed explanation of the workings of these funds, the support and opposition they are generating (the latter, so far, predominating), and the new spurt in attempts by the federal government to regulate them. The history of donor-advised funds is recounted, including the role of community foundations, the emergence of private foundations, the impact of the 1969 tax reform legislation, and the legislation in 2006 that created the statutory basis for these funds. The book includes analyses of developments in the evolution of donor-advised funds, including studies, significant publications, and litigation. A complete statistical analysis of the donor-advised fund universe is provided.
Download or read book Uncharted Waters written by Kenneth S Apfel and published by Brookings Institution Press. This book was released on 2005-09-01 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the debate over Social Security reform, most of the work on individual accounts has focused on how individuals would save and manage those accounts during their working lives. Uncharted Waters goes further and addresses the often neglected questions about how and under what circumstances funds could be withdrawn from these accounts. In Uncharted Waters, a panel of recognized experts created a framework for determining how benefits might be paid if private accounts become a new part of the Social Security system or are created separate from Social Security. This important volume analyzes the potential implications of different policy choices. It considers the ramifications of payout rules for families at different stages of life, particularly for economically disadvantaged groups. The contributors also address how any new individual account program would fit with traditional Social Security, employer-based pensions, and tax-advantaged individual retirement savings (401(k)s and IRAs). As the debate over individual savings accounts rages, Uncharted Waters offers a sound framework for informing public policy on both sides of the argument.
Download or read book Code of Massachusetts regulations 1998 written by and published by . This book was released on 1998 with total page 776 pages. Available in PDF, EPUB and Kindle. Book excerpt: Archival snapshot of entire looseleaf Code of Massachusetts Regulations held by the Social Law Library of Massachusetts as of January 2020.
