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Regulating Markets with Advice : An Experimental Study
Gottschalk, Felix - 2020
regulation measures -- disclosure and fines for unsuitable advice -- reduce commission payments and improve advice. None of the … regulation measures result in lower commissions and more suitable advice, however, and advice is equally biased in all treatments …
Persistent link: https://www.econbiz.de/10012852983
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Regulation As Delegation
Bar-Gill, Oren - 2015
-Agent Theory (BPAT), a great deal of modern regulation can be helpfully evaluated as a hypothetical delegation. Shifting from … words, government serves as our agent. Understood in light of Principal-Agent Theory (PAT) and Behavioral Principal …
Persistent link: https://www.econbiz.de/10013027459
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Simple Rules for a Complex Regulatory World : The Case of Financial Regulation
Mufarrige, Christopher - 2020
, applies the insights of Simple Rules in the context of one of the most complex areas of social and economic regulation …, financial regulation.The complexity of modern finance is often thought to require an equally complex regulatory structure to … financial regulation around Epstein's concept of simple rules would create a more stable and efficient financial regulatory …
Persistent link: https://www.econbiz.de/10012836870
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Economic Models and Regulatory Remedies for the Problem of Consumer Credit
Ko, K. Jeremy - 2011
Much has been written about the problem of consumer credit in the United States over the past decade. In this paper, we survey the prevailing economic theories of consumer credit, which identify a common root problem. Namely, consumers can potentially underestimate borrowing costs, and lenders...
Persistent link: https://www.econbiz.de/10013127783
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Financial education for the disadvantaged? : a review
Entorf, Horst; Hou, Jia - 2018 - This version: 20 April 2018
In contrast to the popularity of financial education interventions worldwide, studies on the economic effects of those interventions report mixed results. With a focus on the effect on disadvantaged groups, we review both the theoretical and empirical findings in order to understand why this...
Persistent link: https://www.econbiz.de/10011823319
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Financial education for the disadvantaged? : a review
Entorf, Horst; Hou, Jia - 2018
In contrast to the popularity of financial education interventions worldwide, studies on the economic effects of those interventions report mixed results. With a focus on the effect on disadvantaged groups, we review both the theoretical and empirical findings in order to understand why this...
Persistent link: https://www.econbiz.de/10011859150
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Behavioral Economics: eine neue Grundlage für die Verbraucherpolitik?
Reisch, Lucia A.; Oehler, Andreas - In: Vierteljahrshefte zur Wirtschaftsforschung 78 (2009) 3, pp. 30-43
) die wichtigste theoretische Grundlage der Verbraucherpolitik dar. Heute sucht diese jedoch nach neuen, empirisch basierten … Behavioral Economics für die Verbraucherpolitik leisten kann. Diese Forschungsrichtung untersucht, wie Menschen wirtschaftlich … Grundlage für Verbraucherpolitik eignen. Internationale Initiativen in diese Richtung werden skizziert. …
Persistent link: https://www.econbiz.de/10010377889
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Measuring financial literacy : results of the OECD International Network on Financial Education (INFE) pilot study
Atkinson, Adele; Messy, Flore-Anne - 2012
This paper presents the findings from an OECD International Network on Financial Education pilot study undertaken in 14 countries. The analysis focuses on variations in financial knowledge, behaviour and attitude across countries and within countries by socio-demographics.The results highlight a...
Persistent link: https://www.econbiz.de/10009684041
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Financial Literacy and Shrouded Credit Card Rewards
Ricaldi, Laura C. - 2013
Credit card companies charge an interchange fee for each transaction, and almost half of this fee is returned to consumers in the form of a reward or perk program. Among credit card users who do not use cards for borrowing (convenience users), rewards are a means to negotiate the implicit price...
Persistent link: https://www.econbiz.de/10013085232
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Debtors' Assessments of Bankruptcy Financial Education
Thorne, Deborah - 2010
Bankruptcy law now requires individuals to complete a financial education class to receive a discharge of debts. Using data from the 2007 Consumer Bankruptcy Project, this chapter examines debtors' attitudes about the value of financial education. The data shows that debtors' attitudes vary by...
Persistent link: https://www.econbiz.de/10013139539