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| fair access to financial services act: United States Code United States, 1989 |
| fair access to financial services act: The National-Bank Act as Amended United States, 1903 |
| fair access to financial services act: The Global Findex Database 2017 Asli Demirguc-Kunt, Leora Klapper, Dorothe Singer, Saniya Ansar, 2018-04-19 In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex. |
| fair access to financial services act: Risk Management and Corporate Governance Organization for Economic Cooperation and Development, 2014 This sixth peer review of the OECD Principles of Corporate Governance analyses the corporate governance framework and practices relating to corporate risk management, in the private sector and in state-owned enterprises. The review covers 26 jurisdictions and is based on a general survey of all participating jurisdictions in December 2012, as well as an in-depth review of corporate risk management in Norway, Singapore and Switzerland. The report finds that while risk-taking is a fundamental driving force in business and entrepreneurship, the cost of risk management failures is often underestimated, both externally and internally, including the cost in terms of management time needed to rectify the situation. The reports thus concludes that corporate governance should ensure that risks are understood, managed, and, when appropriate, communicated. |
| fair access to financial services act: The Federal Reserve System Purposes and Functions Board of Governors of the Federal Reserve System, 2002 Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications. |
| fair access to financial services act: Fintech International Monetary Fund, World Bank, 2019-06-27 The paper finds that while there are important regional and national differences, countries are broadly embracing the opportunities of fintech to boost economic growth and inclusion, while balancing risks to stability and integrity. |
| fair access to financial services act: Fair Lending Compliance Clark R. Abrahams, Mingyuan Zhang, 2008-03-14 Praise for Fair Lending ComplianceIntelligence and Implications for Credit Risk Management Brilliant and informative. An in-depth look at innovative approaches to credit risk management written by industry practitioners. This publication will serve as an essential reference text for those who wish to make credit accessible to underserved consumers. It is comprehensive and clearly written. --The Honorable Rodney E. Hood Abrahams and Zhang's timely treatise is a must-read for all those interested in the critical role of credit in the economy. They ably explore the intersection of credit access and credit risk, suggesting a hybrid approach of human judgment and computer models as the necessary path to balanced and fair lending. In an environment of rapidly changing consumer demographics, as well as regulatory reform initiatives, this book suggests new analytical models by which to provide credit to ensure compliance and to manage enterprise risk. --Frank A. Hirsch Jr., Nelson Mullins Riley & Scarborough LLP Financial Services Attorney and former general counsel for Centura Banks, Inc. This book tackles head on the market failures that our current risk management systems need to address. Not only do Abrahams and Zhang adeptly articulate why we can and should improve our systems, they provide the analytic evidence, and the steps toward implementations. Fair Lending Compliance fills a much-needed gap in the field. If implemented systematically, this thought leadership will lead to improvements in fair lending practices for all Americans. --Alyssa Stewart Lee, Deputy Director, Urban Markets Initiative The Brookings Institution [Fair Lending Compliance]...provides a unique blend of qualitative and quantitative guidance to two kinds of financial institutions: those that just need a little help in staying on the right side of complex fair housing regulations; and those that aspire to industry leadership in profitably and responsibly serving the unmet credit needs of diverse businesses and consumers in America's emerging domestic markets. --Michael A. Stegman, PhD, The John D. and Catherine T. MacArthur Foundation, Duncan MacRae '09 and Rebecca Kyle MacRae Professor of Public Policy Emeritus, University of North Carolina at Chapel Hill |
| fair access to financial services act: Model Rules of Professional Conduct American Bar Association. House of Delegates, Center for Professional Responsibility (American Bar Association), 2007 The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts. |
| fair access to financial services act: 2010 ADA Standards for Accessible Design Department Justice, 2014-10-09 (a) Design and construction. (1) Each facility or part of a facility constructed by, on behalf of, or for the use of a public entity shall be designed and constructed in such manner that the facility or part of the facility is readily accessible to and usable by individuals with disabilities, if the construction was commenced after January 26, 1992. (2) Exception for structural impracticability. (i) Full compliance with the requirements of this section is not required where a public entity can demonstrate that it is structurally impracticable to meet the requirements. Full compliance will be considered structurally impracticable only in those rare circumstances when the unique characteristics of terrain prevent the incorporation of accessibility features. (ii) If full compliance with this section would be structurally impracticable, compliance with this section is required to the extent that it is not structurally impracticable. In that case, any portion of the facility that can be made accessible shall be made accessible to the extent that it is not structurally impracticable. (iii) If providing accessibility in conformance with this section to individuals with certain disabilities (e.g., those who use wheelchairs) would be structurally impracticable, accessibility shall nonetheless be ensured to persons with other types of disabilities, (e.g., those who use crutches or who have sight, hearing, or mental impairments) in accordance with this section. |
| fair access to financial services act: Expanding Access to Financial Services in Malawi Kiendel Burritt, 2006 This report assesses the achievements and challenges for microfinance service delivery in Malawi, with particular attention to rural and agricultural markets. It identifies key elements that influence the development of Malawi's financial system, and provides some recommendations and opportunities for investors, donors, government and private sector entities to support the development of an inclusive financial system. |
| fair access to financial services act: Higher Education Opportunity Act United States, 2008 |
| fair access to financial services act: The Fair Trade in Financial Services Act of 1990 United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs, 1990 |
| fair access to financial services act: Federal Election Campaign Laws United States, 1997 |
| fair access to financial services act: Financial Education and Capability Julie Birkenmaier, Jami Curley, Margaret Sherraden, 2013-02-21 This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. It is a key resource for those interested in improving financial education and financial products and services for low-income families. |
| fair access to financial services act: Access to finance for forest and farm producer organisations (FFPOs) Food and Agriculture Organization of the United Nations, International Institute for Environment and Development, 2018-12-14 Forest landscapes are inhabited by approximately 1.5 billion people. The aggregate gross annual value of these smallholder producers approaches US$1.3 trillion. Adding value to that production, through financial investment, will be key to delivering the Sustainable Development Goals (SDGs). Therefore, access to finance is an important issue. The Forest and Farm Facility (FFF) commissioned this scoping paper to assess what might be done to improve access to finance. Organisation of forest and farm producers allows finance to be channelled toward valueadded investments. But the motivation to form forest and farm producer organisations (FFPOs) varies with context, from the desire to secure resource rights for Indigenous peoples in the forest core, to the desire to strengthen economic scale efficiencies in periurban forest product processing industries. The scale and type of finance needs vary and span enabling investments (grants or concessional loans)through to asset investments (market-rate capital that requires a return). Access to finance for FFPOs requires tailored approaches. For FFPOs, enabling investments in four key areas are needed to create the conditions and necessary track record to attract asset investment: (i) secure commercial rights; (ii) strong organisation for scale; (iii) appropriate technical extension; and (iv) fair market access and business incubation. Enabling investments of this sort make FFPO businesses bankable and affords them access to finance. |
| fair access to financial services act: Fair Trade in Financial Services Act United States. Congress. House. Committee on Ways and Means. Subcommittee on Trade, 1992 |
| fair access to financial services act: Credit to the Community Daniel Immergluck, 2004 7. Community Reinvestment from 1988 to the End of the Twentieth Century: Struggles for Bank and Regulator Accountability -- 8. The Predatory Lending Policy Debate -- 9. The Community Reinvestment Act and Fair Lending Policy in the Twenty-first Century -- Notes -- Bibliography -- Index |
| fair access to financial services act: Access to Financial Services Stijn Claessens, 2005 This paper reviews the evidence on the importance of finance for economic well-being, provides data on the degree of use of basic financial services by households and firms across a sample of countries, assesses the desirability of more universal access, and overviews the macroeconomic, legal, and regulatory obstacles to access using general evidence and case studies. Although access to finance can be very beneficial, the data show that universal use is far from prevalent in many countries, especially developing countries. At the same time, universal access has generally not been a public policy objective and is surely not easily achievable in most countries. |
| fair access to financial services act: Riegle Community Development and Regulatory Improvement Act of 1994 United States, 1994 |
| fair access to financial services act: The Federal Credit Union Act , 1980 |
| fair access to financial services act: Fair Housing , 2002 |
| fair access to financial services act: Handy Reference Guide to the Fair Labor Standards Act (Federal Wage-hour Law) ... United States. Wage and Hour and Public Contracts Divisions, 1963 |
| fair access to financial services act: The Fair Trade in Financial Services Act of 1993, S. 1527 United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs, 1994 |
| fair access to financial services act: The Director's Book: Role of Directors for National Banks and Federal Savings Associations Office of Office of the Comptroller of the Currency, 2019-07-27 The Office of the Comptroller of the Currency (OCC) charters, regulates, and supervises all national banks and federal savings associations (collectively, banks), as well as federal branches and agencies of foreign banks. In regulating banks, the OCC has the power to:* examine the banks.* approve or deny applications for new charters, branches, capital, or otherchanges in corporate or banking structure.* take supervisory actions against banks that do not comply with lawsand regulations or that otherwise engage in unsafe or unsound practices.The OCC also can remove officers and directors, negotiate agreementsto change banking practices, and issue cease-and-desist (C&D) orders aswell as civil money penalties (CMP).* issue rules and regulations, legal interpretations, and corporate decisionsgoverning investments, lending, and other activities.Boards of directors play critical roles in the successful operation of banks. The OCC recognizes the challenges facing bank directors. The Director's Book: Role of Directors for National Banks and Federal Savings Associations helps directors fulfill their responsibilities in a prudent manner. This book provides an overview of the OCC, outlines directors' responsibilities as well as management's role, explains basic concepts and standards for safe and sound operation of banks, and delineates laws and regulations that apply to banks. To better understand a particular bank activity and its associated risks, directors should refer to the Comptroller's Handbook booklets, including the Corporate and Risk Governance booklet. For information generally found in board reports, including red flags--ratios or trends that may signal existing or potential problems--directors should refer to Detecting Red Flags in Board Reports: A Guide for Directors.. |
| fair access to financial services act: The Financial Services Act of 1998--H.R. 10 United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs, 1999 |
| fair access to financial services act: Accounting Manual for Federal Credit Unions United States. National Credit Union Administration, 1974 |
| fair access to financial services act: NCUA Examiner's Guide United States. National Credit Union Administration, 1994 |
| fair access to financial services act: Complex Mortgages (CM) Gene Amromin, 2011 CM became a popular borrowing instrument during the bullish housing market of the early 2000s but vanished rapidly during the subsequent downturn. These non-traditional loans (interest only, negative amortization, and teaser mortgages) enable households to postpone loan repayment compared to traditional mortgages and hence relax borrowing constraints. But, they increase household leverage and heighten dependence on mortgage refinancing. CM were chosen by prime borrowers with high income levels seeking to purchase expensive houses relative to their incomes. Borrowers with CM experience substantially higher ex post default rates than borrowers with traditional mortgages with similar characteristics. Illus. This is a print on demand report. |
| fair access to financial services act: Letter from Birmingham Jail Martin Luther King, 2025-01-14 A beautiful commemorative edition of Dr. Martin Luther King's essay Letter from Birmingham Jail, part of Dr. King's archives published exclusively by HarperCollins. With an afterword by Reginald Dwayne Betts On April 16, 1923, Dr. Martin Luther King Jr., responded to an open letter written and published by eight white clergyman admonishing the civil rights demonstrations happening in Birmingham, Alabama. Dr. King drafted his seminal response on scraps of paper smuggled into jail. King criticizes his detractors for caring more about order than justice, defends nonviolent protests, and argues for the moral responsibility to obey just laws while disobeying unjust ones. Letter from Birmingham Jail proclaims a message - confronting any injustice is an acceptable and righteous reason for civil disobedience. This beautifully designed edition presents Dr. King's speech in its entirety, paying tribute to this extraordinary leader and his immeasurable contribution, and inspiring a new generation of activists dedicated to carrying on the fight for justice and equality. |
| fair access to financial services act: Interpretations and Actions United States. Office of the Comptroller of the Currency, 1995 |
| fair access to financial services act: Fair Housing Act Design Manual U.S. Department of Housing and Urban Development, United States. Department of Housing and Urban Development. Office of Housing, 2005 The Fair Housing Act Design Manual: A Manual to Assist Designers and Builders in Meeting the Accessibility Requirements of The Fair Housing Act provides clear and helpful guidance about ways to design and construct housing which complies with the Fair Housing Act. The manual provides direct information about the accessibility requirements of the Act, which must be incorporated into the design, and construction of multifamily housing covered by the Act. It carries out two statutory responsibilities: (1) to provide clear statement of HUD's interpretation of the accessibility requirements of the Act so that readers may know what actions on their part will provide them with a safe harbor; and (2) to provide guidance in the form of recommendations which, although not binding meet the Department's obligation to provide technical assistance on alternative accessibility approaches which will comply with the Act, but may exceed its minimal requirements. The latter information allows housing providers to choose among alternative and also provides persons with disabilities with information on accessible design approaches. The Manual clarifies what are requirements under the Act and what are HUD's technical assistance recommendations. The portions describing the requirements are clearly differentiated from the technical assistance recommendations. |
| fair access to financial services act: Legal Foundations in Banking American Bankers Association, 2018 |
| fair access to financial services act: H.R. 3248, the Fair Trade in Financial Services Act of 1993 United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance, 1994 |
| fair access to financial services act: Treasury, Postal Service, and General Government Appropriations for Fiscal Year 1999 United States. Congress. House. Committee on Appropriations. Subcommittee on the Treasury, Postal Service, and General Government Appropriations, 1998 |
| fair access to financial services act: The White Wall Emily Flitter, 2024-04-09 A deeply reported examination of the systemic racism inside the American financial services industry exposes practices designed to maintain the racial wealth gap, and draws on data, history, legal scholarship, and personal stories to provide a look at what it means to bank while Black. |
| fair access to financial services act: Financial Services and General Government Appropriations for 2009 United States. Congress. House. Committee on Appropriations. Subcommittee on Financial Services and General Government, 2008 |
| fair access to financial services act: Fair Trade in Financial Services: Second session; January 22, 1992; serial no. 102-85 United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Economic Stabilization, 1991 |
| fair access to financial services act: Discrimination, Vulnerable Consumers and Financial Inclusion Cătălin-Gabriel Stănescu, Asress Adimi Gikay, 2020-12-28 This book addresses the questions of discrimination, vulnerable consumers, and financial inclusion in the light of the emerging legal, socioeconomic, and technological challenges. New technologies – such as artificial intelligence-driven consumer credit risk assessment and Fintech platforms, the changing nature of vulnerability due to the ongoing COVID-19 pandemic, as well as the sophistication of digital technologies, which help circumvent legal barriers and protections – necessitate the continuous study of the existing legal frameworks and measures that are capable of tackling these challenges. Organized in two major parts, the first addresses, from multiple national angles, the idea of a human rights approach to consumer law, in order to replace the mantra of economic efficiency that characterizes financial services with those of human dignity and freedom from discrimination and from debt-induced servitude. The second tackles the challenges posed by increased usage of technology in connection with financial services, which tends to solve, but also creates, additional issues for consumers in general, and for vulnerable groups in particular. |
| fair access to financial services act: Financial Institutions Reform, Recovery, and Enforcement Act of 1989--(H.R. 1278) United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance, 1989 |
| fair access to financial services act: The Financial Services Act of 1999 United States. Congress. House. Committee on Commerce. Subcommittee on Finance and Hazardous Materials, 1999 |
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Hundreds of thousands of retailers are buying wholesale products online with Faire. Order from thousands of independent wholesale vendors with net 60 terms & free returns today.
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A Faire ajuda os revendedores a encontrar e comprar mercadorias grossistas exclusivas para as suas lojas. Os revendedores podem fazer encomendas grossistas online e obter condições de …
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