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No Slack
The financial crisis exposed the potentially unsavory results of the interaction between low- and moderate income households and alternative and mainstream financial institutions. Many households were overleveraged or paid high costs for financial services, while others lacked access to useful financial products that can cushion against economic instability. The financial services system is not well designed to serve low- and moderate-income households, leaving them without financial slack: they did not have adequate breathing room for making the financial adjustments that would permit them to better meet their own needs. No Slack shows us why these families were the least prepared to handle...
Financial Regulation
Financial Regulation: Law and Policy (2d Edition) introduces the field of financial regulation in a new and accessible way. Even though a decade has passed since the most systemic financial crisis in the last 70 years and eight years have elapsed since a major shift in regulatory design, the world is still grappling with the aftermath. In addition, technology innovations, including Bitcoin and other cryptocurrencies, market forces and a changing political environment all have combined to reframe and reorient public debate over financial regulation. The book has kept up to date with all of these changes. The book analyzes and compares the market and regulatory architecture of the entire U.S. ...
No Slack
The financial crisis exposed unsavory results of interactions between low- and moderate-income households and alternative and mainstream financial institutions: overleveraged incomes, high cost for financial services, and lack of access to useful financial products that can cushion against economic instability. It revealed a financial services system that is not well designed to serve these households, leaving them without financial slack. Pivotal analysis, focusing on metropolitan Detroit's low- and moderate-income neighborhoods, examines household decision making processes, behaviors, and attitudes toward a full range of financial transactions during the subprime lending boom. The author advocates helping families seek financial stability in three primary ways: enhancing individuals' financial capability, using technology to promote access to financial products and services that meet their needs, and establishing strong protections for consumers.
Insufficient Funds
One in four American adults doesn’t have a bank account. Low-income families lack access to many of the basic financial services middle-class families take for granted and are particularly susceptible to financial emergencies, unemployment, loss of a home, and uninsured medical problems. Insufficient Funds explores how institutional constraints and individual decisions combine to produce this striking disparity and recommends policies to help alleviate the problem. Mainstream financial services are both less available and more expensive for low-income households. High fees, minimum-balance policies, and the relative scarcity of banks in poor neighborhoods are key factors. Michael Barr repo...
And Banking for All?
Presents data from a survey of low- and moderate-income households in Detroit to examine bank account usage and alternative financial service products. For the majority of households, annual outlays on financial services for transactional and credit products are small, around 1% of annual income. Households with bank accounts are more economically active and have access to more forms of credit than un-banked households, resulting in greater use of financial services and higher total outlays. Policies designed to expand bank account access alone are unlikely to improve financial outcomes among LMI households unless accompanied by changes in the functionality of mainstream banking products. Charts and tables.
Building Inclusive Financial Systems
Broad-based and inclusive financial systems significantly raise growth, alleviate poverty, and expand economic opportunity. Households, small enterprises, and the rural poor often have difficulty obtaining financial services for a multitude of reasons, including transaction costs, perceived risk, inadequate infrastructure, and information barriers. Yet many financial institutions are now making profitable inroads into underserved markets through formal banking, investment in equities, venture capital, postal banks, and microfinance. Access to Finance addresses the challenges of making financial systems more inclusive, emulating successful ventures in new markets, and utilizing technologies and government policies to support the expansion of financial access. The contributors examine many dimensions of financial access, including: • Measuring financial access • Understanding the impact of expanded access • Examining alternative institutional models • Exploring new technologies and information infrastructure • Evaluating government policies toward outreach.
Storming the Court
Subtitle in hardcover printing: How a band of Yale law students sued the President--and won.
Who's Afraid of China?
If China suddenly democratised, would it cease being labelled as a threat? This provocative book argues that fears of China often say as much about those who hold them as they do about the rising power itself. It focuses not on the usual trope of economic and military might, but on China's growing cultural influence and the connections between China's domestic politics and its attempts to brand itself internationally. Using examples from film, education, media, politics, and art, Who's Afraid of China? is both an introduction to Chinese soft power and a critical analysis of international reaction to it. It examines how the West's own past, hopes, and fears shape the way it thinks about and engages with China and argues that the rising power touches a nerve in the Western psyche, presenting a fundamental challenge to ideas about modernity, history, and international relations.
The Behavioral Foundations of Public Policy
Includes bibliographical references and index.
Rsf: The Russell Sage Foundation Journal of the Social Sciences: Financial Reform: Preventing the Next Crisis
The 2008 financial crash and the ensuing Great Recession resulted from decades of unconstrained excess and failures of risk management on Wall Street and complacency in Washington. While the 2010 Dodd-Frank Act sought to curtail these abuses, more work remains to be done. This issue of RSF, edited by Michael S. Barr, sets out proposals for comprehensive financial reform. Contributors suggest how to improve financial regulation, make markets more resilient, and increase protections for consumers and investors in order to lower the likelihood of a future crisis. Several contributors evaluate the Dodd-Frank bill which mandated greater federal oversight of banks, increased regulation of credit r...
