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Papua New Guinea Financial Consumer Protection Diagnostic 2018
The objective of the diagnostic review of financial consumer protection in PNG was to assess the FCP legal and regulatory framework and industry practices relevant to key parts of the regulated PNG financial sector. The diagnostic specifically considers the banking, non-bank financial institutions (NBFI), insurance, and payments sectors. Preliminary consideration has also been given to the superannuation sector and the securities, investments and informal sectors are not within the scope of this review. The review was conducted based on the revised and enhanced 2017 World Bank Good Practices for Financial Consumer Protection and the G20 High – Level Principles on Financial Consumer Protection and Digital Financial Inclusion. Regard has also been had to the Better Than Cash Alliance Responsible Digital Payments Guidelines. The following topics have been covered: (i) legal and regulatory framework; (ii) FCP supervision and capacity; (iii) transparency and fair treatment; and (iv) consumer complaints. A broad variety of stakeholders were consulted for the purposes of this diagnostic review, including government entities and regulators, representatives of the banking, NBFI, insurance and payments sectors and industry associations. The report was prepared as part of the PNG Financial Consumer Protection Project, funded by the Department of Foreign Affairs in Australia and the Ministry of Foreign Affairs in New Zealand under the PNG Partnership.
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Information Asymmetry and the Financial Consumer Protection Policy
In: Asian journal of political science, Band 21, Heft 3, S. 213-223
ISSN: 1750-7812
Information Asymmetry and the Financial Consumer Protection Policy
In: Asian journal of political science: AJPS, Band 21, Heft 3, S. 213-223
ISSN: 0218-5377, 0218-5385
Financial Consumer Protection is not a Destination, it's a Journey
In: Daily FT Sri Lanka, 2020
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Forging Legitimizing Coalitions: Comparing EU/U.S. Financial Consumer Protection Reforms
What is the role of non-state actors--corporate and civic--in influencing and redirecting regulatory reforms? How do critical junctures like financial crises change interest group dynamics? Focusing on financial consumer protection reforms across the Atlantic, this essay discusses the role of civil society actors in bringing about policy change that runs counter the traditional capture narrative in the literature on financial regulatory reform. In light of the 2008 financial crisis, policymakers in the European Union (EU) and the United States turned their attention to financial consumer protection (FCP) and adopted a range of policy measures in response to crisis-related failures (.).
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Forging Legitimizing Coalitions: Comparing EU/U.S. Financial Consumer Protection Reforms
What is the role of non-state actors--corporate and civic--in influencing and redirecting regulatory reforms? How do critical junctures like financial crises change interest group dynamics? Focusing on financial consumer protection reforms across the Atlantic, this essay discusses the role of civil society actors in bringing about policy change that runs counter the traditional capture narrative in the literature on financial regulatory reform. In light of the 2008 financial crisis, policymakers in the European Union (EU) and the United States turned their attention to financial consumer protection (FCP) and adopted a range of policy measures in response to crisis-related failures (.).
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Federal Democratic Republic of Ethiopia Diagnostic Review of Financial Consumer Protection
The objective of the Diagnostic Review of Financial Consumer Protection in Ethiopia is to assess the legal, regulatory, and institutional framework for financial consumer protection (FCP) and develop prioritized and tailored recommendations aimed at supporting the National Bank of Ethiopia (NBE) in developing and operationalizing improvements to that framework. The assessment is conducted under the Ethiopia Financial Inclusion Support Framework (FISF) Program, and based on the revised and enhanced 2017 Edition of the World Bank Good Practices for Financial Consumer Protection with focus on retail products and services in four sectors: i) banks and non-bank financial institutions (NBFIs); ii) payments; and iii) insurance. Further, the review covers five topics in each of the above-mentioned sectors: i) legal, regulatory, and supervisory framework; ii) disclosure and sales practices; iii) fair treatment and business conduct; iv) data privacy; and v) dispute resolution mechanisms. The report reflects the existing legal, regulatory, and institutional framework in Ethiopia, with references to planned reforms that were presented to or discussed with the World Bank team. It also features industry practices identified through interviews with financial services providers, financial regulators, and consumer and industry associations.
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Diffuse Interest Groups and Regulatory Policy Change: Financial Consumer Protection in Turkey
In: Coban. M.K. 2020. Diffuse interest groups and regulatory policy change: financial consumer protection in Turkey. Interest Groups & Advocacy 9(2): 220-243.
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금융회사 파산과 금융소비자 보호 (Bankruptcy of Financial Institution and Financial Consumer Protection)
In: Financial Stability Studies, Vol. 16, No. 2, Korea Deposit Insurance Corporation(KDIC), 2015, pp. 141-169.
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The effect of financial consumer protection on banks' competitiveness and profitability
In: Corporate governance and organizational behavior review, Band 6, Heft 4, S. 134-140
ISSN: 2521-1889
This study examines the effect of Financial Consumer Protection (FCP) on banks' competitiveness and profitability, using data from Jordanian banks for the period 2013–2020. The study constructs a FCP index related to customer complaints statistics, communication channels, dispute resolution, and protection of the rights of special needs people. Fixed-effect model is used as an estimator based on balanced panel data. The study finds evidence that stricter and complying with FCP requirements tend to decrease banks' profitability in Jordan. The main result is confirmed by different robustness tests (dynamic panel estimation by applying the generalized method of moments (GMM) and random-effect). Overall, this study contributes to the existing banking literature and provides a better understanding and balancing between customers of financial products' interests and financial institutions' rights and obligations. Finally, this study has essential implications for customers of financial products, policymakers, and researchers. Thus, future studies in this area are recommended
Diffuse interest groups and regulatory policy change: financial consumer protection in Turkey
In: Interest groups & Advocacy, Band 9, Heft 2, S. 220-243
ISSN: 2047-7422
Financial Consumer Protection in the EU: Towards a Self-Sufficient European Contract Law for Consumer Financial Services?
In: European review of contract law: ERCL, Band 10, Heft 4
ISSN: 1614-9939
Financial consumer protection and the cost of financial intermediation: evidence from advanced and developing economies
Summarization: Using a data set of approximately 3,000 commercial banks from more than 100 countries, I examine the impact of financial consumer protection policies on the cost of financial intermediation. I find evidence that the existence of internal mechanisms for handling complaints, requirements for fair treatment, supervisory power related to consumer protection, and various disclosure requirements reduce the cost of financial intermediation in advanced countries. The results are different in the case of developing countries, where I observe that most financial consumer protection policies increase the cost of intermediation, suggesting that banks pass on regulatory burdens to their customers. ; Presented on:
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금융투자회사 근로자의 금융소비자보호에 대한 인식 및 행동 연구 - 금융소비자보호 모범규준을 중심으로 - (A Study on the Financial Consumer Protection Perception and Behavior of the Financial Investment Company Employee: Based on the Financial Consumer Protection Best Standards)
In: Financial Planning Review, Band 13, Heft 4
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