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Payday Lending, Bank Overdraft Protection, and Fair Competition at the Consumer Financial Protection Bureau
Clarke, Robert - 2014
The Consumer Financial Protection Bureau (CFPB) is considering new regulation of payday lending and bank overdraft … of similar products offered by both bank and nonbank lenders. We illustrate how this mandate for fair competition applies … to the regulation of payday lending and bank overdraft protection, products that are offered by different entities but …
Persistent link: https://www.econbiz.de/10013062102
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Broadening Consumer Law : Competition, Protection, and Distribution
Van Loo, Rory - 2020
Policymakers and scholars have in distributional conversations traditionally ignored consumer laws, defined as the set of consumer protection, antitrust, and entry barrier laws that govern consumer transactions. Consumer law is overlooked partly because tax law is cast as the most efficient way...
Persistent link: https://www.econbiz.de/10012847249
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The Regulation of Consumer Financial Products : An Introductory Essay with Four Case Studies
Campbell, John Y. - 2010
The recent financial crisis has led many to question how well businesses deliver consumer financial services and how well regulatory institutions address problems in consumer financial markets. In response, the Obama administration proposed a new agency to oversee consumer financial services,...
Persistent link: https://www.econbiz.de/10013139849
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Does FinTech change the market power of traditional banks in China?
Qi, Hanying; Yang, Keng; Wang, Weijia - In: Journal of business economics and management 23 (2022) 5, pp. 1060-1083
This study assesses the impact of the development of financial technology (FinTech) on the market power of traditional banks. We analyze the relationship between FinTech companies and traditional banks based on the barriers-to-entry theory, and verify the resulting hypothesis by using panel data...
Persistent link: https://www.econbiz.de/10013500607
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Competition and consumer protection in the Romanian banking sector
Iacovoiu, Viorela; Stancu, Adrian - In: Amfiteatru economic : an economic and business research … 19 (2017) 45, pp. 381-396
services ; the correlation between the bank's market share and the number of complaints registered by it, using the ranks … between the competitive position of the bank and the number of the complaints it registered, proving that the competitive …
Persistent link: https://www.econbiz.de/10011796650
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Market power, efficiency and welfare performance of banks : evidence from the Ghanaian banking industry
Adeabah, David; Andoh, Charles - 2019
market power effect is dominant in both domestic and large banks. Overall, the results indicate that market power and bank …
Persistent link: https://www.econbiz.de/10012061102
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Bank Profit Efficiency and Financial Consumer Protection Policies
Pasiouras, Fotios - 2018
policies on bank profit efficiency estimated with a production frontier function. Our results show that more regulatory … requirements decrease bank profit efficiency. We confirm this finding under various assumptions for the bank inputs and outputs … used in their production process. We also find that the impact of financial consumer protection policies on bank profit …
Persistent link: https://www.econbiz.de/10012928612
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A Darker Side to Decentralized Banks : Market Power and Credit Rationing in SME Lending
Canales, Rodrigo - 2011
We use loan-level data to study how the organizational structure of banks impacts small business lending. We find that decentralized banks ― where branch managers have greater autonomy over lending decisions ― give larger loans to small firms and those with “soft information”. However,...
Persistent link: https://www.econbiz.de/10013133434
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Die Suche der Verbraucher nach verantwortlichen Kreditinstituten
Bertsch, Frank; Just, Werner - In: Aus Politik und Zeitgeschichte : APuZ 59 (2009) 26, pp. 20-25
Persistent link: https://www.econbiz.de/10003851655
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Testimony of Erik F. Gerding, 'Industrial Loan Companies, Fintech Charters, and Eroding the Separation between Banking and Commerce,' for a Hearing before the U.S. House of Represe...
Gerding, Erik F. - 2021
the text, purpose, and structure of the National Bank Act and other core federal banking statutes. Conferring banking … and close destructive loopholes in banking law by: ¶ ending the ILC exemption to the Bank Holding Company; and ¶ removing …
Persistent link: https://www.econbiz.de/10013229164