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International Approach to Failing Financial Institutions Sought
Bilateral agreements are the future of global bank liquidations, according to panelists at the annual meeting for the Institute of International Finance (IIF). Panelists emphasized that such...
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The Effect of Income Disparity on Financial Regulation
As Occupy Wall Street protesters descended on Zuccotti Park in September 2011, the use of the phrase “income inequality” on major news networks, cable, and in leading newspapers grew four-fold. That...
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Financial Regulators Find Heightened Risks in Lending Behavior
Despite vigorous new regulatory controls adopted in the wake of the recent financial crisis, financial lending has only become riskier, according to a report released last November by U.S. financial...
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The Marijuana Industry’s Access to Banks
Vaults, armed guards, and paranoia are costs of doing business today in the recreational marijuana industry. Because they have little access to banking, marijuana business owners must conduct their...
View ArticleGAO Calls on Government Leaders to Revisit Financial Regulatory Reform
Politicians, advocacy groups, and businesses have all seemed to call for financial regulatory reform during this election cycle. Now, even the U.S. Government Accountability Office (GAO) has joined the...
View ArticleFinancial Regulators Take Stock and Look Ahead
Some of the most prominent figures in finance and government recently gathered at the Four Seasons Hotel in New York City to discuss the past, present, and future of financial regulation. The...
View ArticleCurrency Authority Proposes Ban on Bank Investments in Commercial Metals
In addition to typical banking activities such as issuing home loans and administering savings accounts, should your neighborhood bank be able to buy and trade metals like copper and gold? Presently,...
View ArticleDoes the Administrative State Threaten U.S. Democracy?
The Federal Register currently lists over 400 federal departments, agencies, and sub-agencies that finalize thousands of rules each year—a burgeoning administrative state that is a far cry from the...
View ArticleBank Regulators Aim to Alter Securities Trade Rules
Imagine going to the grocery store: You pick out what you want; you pay; and you are finished, groceries in hand, and on your way home. Sounds simple enough. Not all purchases, though, can be completed...
View ArticleCore Principles for Getting Financial Reform Right
Almost eight years after passage of the landmark Dodd-Frank Wall Street Reform and Consumer Protection Act, an examination of post-crisis reforms is appropriate and could be beneficial. But to succeed,...
View ArticleStopping Predatory Fintech Lending
Fintech has been touted as the solution to end financial exclusion. Proponents claim that fintech “will democratize finance, bank the unbanked, and furnish access to affordable credit for all.” But is...
View ArticleThe Cowboy State Tames Bitcoin’s Regulatory Wild West
Wyoming has unleashed the Kraken. In 2020, Kraken, a platform for exchanging cryptocurrencies such as Bitcoin, became the first cryptocurrency company to secure a bank charter in the United States,...
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