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disclosure requirements that exist in these markets. We show that reducing the number of charlatans through regulation decreases … regulation, implying that the regulation we observe in these markets likely derives from producer interests. Using these insights …
Persistent link: https://www.econbiz.de/10012949422
We build a framework to understand the effects of regulatory interventions in credit markets, such as caps on interest rates and higher compliance costs for lenders. We focus on the credit card market, in which we observe U.S. consumers borrowing at high and very dispersed interest rates,...
Persistent link: https://www.econbiz.de/10012848896
, and its regulation. It makes two principal contributions. First, taking a historical perspective, it examines the … evolution of consumer financial privacy and its regulation under English law, from the duty of bank confidentiality to cross …-sectoral data protection regulation. It demonstrates that this evolution has been shaped directly by the rise of fintech. Second …
Persistent link: https://www.econbiz.de/10014239301
even think of BNPL as traditional credit, perceive these offerings. This Note proposes a novel framework for the regulation …
Persistent link: https://www.econbiz.de/10014254508
regulation focusing on areas that do not address pertinent problems, but instead respond to consumer demand without recognizing … the underlying goals of regulation. Consumer demand, on its own is not enough to steer the direction of regulation. Unlike … past regulation, recent regulations have taken an approach that undermines consumer protection, is not adequately …
Persistent link: https://www.econbiz.de/10014137541
pertains to consumer empowerment and applies the resulting insights to interpret Article 4 (1) of Regulation 2015/2120 laying …
Persistent link: https://www.econbiz.de/10014106719
pertains to consumer empowerment and applies the resulting insights to interpret Article 4 (1) of Regulation 2015/2120 laying …
Persistent link: https://www.econbiz.de/10014108820
Competition and economic regulation policies have traditionally been based on the conception of a “standard” consumer …
Persistent link: https://www.econbiz.de/10014091514
Persistent link: https://www.econbiz.de/10013441839
in the form of a regulation which is applicable to cross-border transactions only. The author considers the … regulation which is applicable to cross-border transactions only. The author considers the constitutional constraints of the EU …
Persistent link: https://www.econbiz.de/10014275318