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Financial Legislation: The Promise and Record of the Financial Modernization Act of 1999

Tatom, John - Volkswirtschaftliche Fakultät, … - 2010

On November 12, 1999, President Clinton signed the most significant piece of financial services regulation to be enacted since the Great Depression, at least up to that time. When the Financial Service Modernization Act of 1999, better known as the Gramm-Leach-Bliley Act (GLBA), was signed, the...

Persistent link: https://www.econbiz.de/10008615042

Informational Externalities and Settlements in Mass Tort Litigations

Deffains, Bruno; Langlais, Eric - Volkswirtschaftliche Fakultät, … - 2010

This paper elaborates on a basic model of mass tort litigation, highlighting the existence of positive informational externalities afforded by the discovery process (as a general technology of production of evidences) in order to study when a class action is formed, or when a sequence of...

Persistent link: https://www.econbiz.de/10008587826

Interactions between competition and consumer policy

Armstrong, Mark - Volkswirtschaftliche Fakultät, … - 2008

This paper discusses complementarities and tensions between competition policies and consumer protection policies. The paper argues that markets will often supply adequate customer protection without the need for extra public intervention. Special areas where intervention might be needed are...

Persistent link: https://www.econbiz.de/10005260332

A discrete choice approach to model credit card fraud

Pulina, Manuela; Paba, Antonello - Volkswirtschaftliche Fakultät, … - 2010

This paper analyses the demographic, socio-economics and banking specific determinants that influence the risk of fraud … framework is employed that incorporates cards at a risk of fraud as the dependent variable and a set of explanatory variables (e … useful indicators on the factors that are responsible for potential risk of fraud. …

Persistent link: https://www.econbiz.de/10008543518

How consumers’ socio-economic background influences satisfaction: Insights for better utility regulation

Clifton, Judith; Díaz-Fuentes, Daniel; … - Volkswirtschaftliche Fakultät, … - 2013

Augmenting consumer welfare was a key justification behind the reform of utilities from the 1980s. But, three decades later, evidence is mounting that consumer satisfaction with household utilities is quite uneven. Moreover, governments, regulators and international organizations are...

Persistent link: https://www.econbiz.de/10011258751

Do consumers prefer offers that are easy to compare? An experimental investigation.

Crosetto, Paolo; Gaudeul, Alexia - Volkswirtschaftliche Fakultät, … - 2012

Abstract Firms can exploit consumers' mistakes when facing complex purchasing decision problems but Gaudeul and Sugden (2012) argue that if at least some consumers disregard offers that are difficult to compare with others then firms will be forced into adopting common ways to present their...

Persistent link: https://www.econbiz.de/10011260766

Consumer protection and contingent charges

Armstrong, Mark; Vickers, John - Volkswirtschaftliche Fakultät, … - 2012

Contingent charges for financial services, such as fees for unauthorized overdrafts, are often controversial. We study the economics of contingent charges in a stylized setting with naive and sophisticated consumers. We contrast situations where the naive benefit from the presence of...

Persistent link: https://www.econbiz.de/10009654228

Infrastructure regulation: what works, why, and how do we know?

Clifton, Judith; Díaz-Fuentes, Daniel; Fernández … - Volkswirtschaftliche Fakultät, … - 2009

Public infrastructure services have been subject to dramatic regulatory reform since the 1980s in the European Union, particularly privatization, at the national level, and increased liberalization and deregulation, via the Single Market Programme. Despite this ambitious reform programme, there...

Persistent link: https://www.econbiz.de/10009283788

Bringing Citizens Back In: Renewing Public Service Regulation

Clifton, Judith; Díaz-Fuentes, Daniel; Fernández … - Volkswirtschaftliche Fakultät, … - 2011

This essay concerns the ways in which public services – particularly household services such as communications, energy, water and transportation – have been regulated and deregulated, and analyses what consequences this has for users and citizens. Much of the deregulation of public services...

Persistent link: https://www.econbiz.de/10009283800

Consumer protection in the shadow of the global financial crisis - a study on the way forward of consumer protection in European Union, Republic of Moldova and P.R. of China -

Gojinetchi, Sergiu - Volkswirtschaftliche Fakultät, … - 2012

As could be expected, the global financial crisis is on everybody’s mind and causing a lot of worries. The current crisis has reached the consumers globally and intensified conversations about consumer protection. It has threatened their wealth as people have lost their assets, savings and...

Persistent link: https://www.econbiz.de/10009647346

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