Read Case 14

What is deregulation?  Who benefitted most from deregulation of the financial services industry?

Your friend asks you for a loan. You spend several hours doing research on their background (calling their references and such) and spend $40 to run a credit report on them. Because financial institutions like banks service so many loans, they would be able to do the same tasks for a fraction of the time and cost. We said in lecture that this is because financial institutions collude with each other form a monopoly create asymmetric information exhibit economies of scale

8b. Explain how the deregulation of the savings & loan industry in the 1980s affected the viability of S&Ls.

Need it urgent.

Question 8 When the Chinese firm "eZubao" went bankrupt in 2016 it was called a "Ponzi scheme." It specialized in: 1 Peer-to-peer lending. 2 Health-Fitness studios. 3 Multi-level marketing of consumer products. 4 Underwriting of new security offerings of high-technology firms.

The banking industry is impacted by changes in its external environment from political, economic, social, technological, environmental, and legal factors. What personal questions for each you might have about the overall industry trends.

Explain the usage of the term usury in current business law.

(a) Outline three reasons why banks are regulated. (b) Name two bank regulators and briefly explain their regulatory purpose.

why banking one of the most heavily regulated industries in the U.S and world economies?

Why do you think pawnshops are gaining momentum in the financial service industry

critically discuss why financial markets should be regulated.

1. What are the possible consequences for international banks seeking to operate across borders? 2. How can banks effectively navigate across borders regulatory environments to manage risks and ensure compliance?

How have new banking laws influenced competition? Please provide detail information to the question.

List and describe the three main anti-trust acts in the United States. What does the text conclude about the effectiveness of these acts?

Like Insurance Regulatory Development Authority of India, briefly explain roles, responsibilities, functions and duties of insurance regulator of Mauritius. Answer in about 500 words.

Suppose the credit market in Triumph, Illinois is described by the schedule shown below. Local financial regulators have set the maximum interest rate for commercial credit at 9%. Interest Rate Quantity of credit supplied Quantity of credit demanded 5% $800,000 $3,500,000 7% $1,100,000 $3,100,000 9% $1,500,000 $2,600,000 11% $2,000,000 $2,000,000 13% $2,600,000 $1,300,000 15% $3,300,000 $500,000 Illustrate this market in a supply and demand graph. What is the market equilibrium interest rate? How many fewer borrowers are there at the mandated interest rate than there would be at equilibrium.

Select a case of weak regulatory framework within a financial institution which resulted in the demise of the institution and:i. Outline and discuss two (2) ways the regulatory bodies’ timely intervention could have prevented such a situation? ii. How effective do you think the response was to such a crisis?  iii Outline and discuss two ways/actions that could have been pursued to further strengthen the regulatory environment?

Which mechanisms are used to complement prudential regulation (to increase its effectiveness)?I. The radical reform of over the counter (OTC) derivatives.II. The regulation of credit ratings and Credit Rating Agencies.III. The realignment of bankers’ incentives in the securitization process.IV. The review, amendment and modernization of existing laws and regulations. Question 9Answer a. I, II and III only. b. I, II and IV only. c. I, II, III and IV. d. II, III and IV only.

1   Discuss the following financial regulations:   Consumer protection   Restrictions on competition   Macroprudential supervision

FIGURE 12.2 Buying a House: Institutional Discrimination and Predatory Lending This figure, based on a national sample, illustrates institutional discrimination. Rejecting the loan applications of minorities and gouging them with higher interest rates are a nationwide practice, not the acts of a rogue banker here or there. Because the discrimination is part of the banking system, it is also called systemic discrimination. 45% 43 Whites 40% Latinos 36 35% African Americans 30 30 30% 26 25% 20% 15 15% 11 10% 5% These Applicants Were Denied a Mortgage Applicants whose income was below the median income Applicants whose income was above the median income These Applicants Were Charged Higher Interest (given subprime loans) Applicants who have 100% to 120% of median income Source: By the author. Based on Kochbar and Gonzalez-Barrera 2009. Based on Figure 12.2, ing a House: Institutional 2) Discrimination in Mortgages," how do the percentage of mortgage loan denials change as the applicants'…

Compare and contrast expert lending systems with statistical credit scoring models

1) which of the following types are not considered to be non-banking financial institutions ? A- trading bank B- Consumer finance C- Credit Unions D- Consumer finance

can you explain this as if you were reporting in front.

Explain the four different layers of protection and regulation that are imposed by regulators of commercial banks to ensure their safety and soundness

use the term Commercial Banks to answer the question below   Explain the purpose of this type of financial institution. Does this type of financial institution have different categories?  (For example, commercial banks can be national, regional, local, or online.)   Depository or Non-Depository? Explain. What are the primary services and products this type of financial institution offers clients/customers? How do they generate revenue/income? Is any of this revenue/income given back to the customers? Is there any type of insurance covering customers in case of failure for this financial institution? Find one (real life) example of this type of financial institution. For this example, include the following information: Name of institution Location (main branch/home office) List of products/services How do they advertise to acquire new customers? Why would a customer choose this particular institution over its competitors? (You will have to explore their website and competitors’…

Discuss the goals of regulatory frameworks with regards to reasons governments manage regulate-es and use different regulators to policy the financial markets

What are the primary differences between different types of banks (savings, commercial, investment, contractual, intermediary, national, credit unions, etc.)?  How are insurance companies acting in the capacity of banks?