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| financial services advertising regulations: Marketing Financial Services Hooman Estelami, 2007 This book is syncretism at its best . The writing is clear.The flow has the massive feel of logicunfolding(Arthur Kover, Consulting Director at HCD Research Inc., Management Fellow at YaleUniversity, and former editor of the Journal of Advertising Research)Estelami combines an excellent knowledge of marketing literature with a deep understanding offinancial services. The combination is a very effective and contemporary book on marketing financialservices.(Russell S. Winer, Deputy Dean and Professor of Marketing at the Stern School ofBusiness, New York University)Marketing Financial Servicesserves an important need, both for the training of students wishing toenter the field of financial services, as well as for those already in the profession.(Kent B. Monroe, Distinguished Professor of Marketing Emeritus, University of Illinois at Urbana-Champaign andDistinguished Visiting Scholar, University of Richmond)This book provides the reader with a thorough, in-depth review of the subject matter.(AlisonMunsch, Principal, Insights for Actions Research, LLC)Financial services marketers are faced with challenging issues related to pricing, advertising, and sell-ing their products in the marketplace on a daily basis. These challenges result from the immense com-plexity of financial services, the massive number of regulations influencing the industry, and the rapid-ly evolving face of competition. This book provides a systematic and scientific approach to the prac-tice of marketing financial services. The book approaches the topic from the perspective of the cus-tomer. Research findings related to consumer psychology and human decision making provide thefoundation for a structured approach to understanding how individuals make their financial decisions.Drawing from this analysis, the book establishes successful marketing practices for advertising, dis-tributing, and pricing financial products and services. In addition, the book provides a detailed outlineof regulations affecting marketing practices in the U.S., and discusses tactical and strategic tools usedby financial services companies to penetrate the market. The book has been developed for use byindividual readers eager to gain in-depth training on the topic on their own, and for classroom use byinstructors in business schools at the MBA, undergraduate, a |
| financial services advertising regulations: Financial Advertising and Marketing Law Dennis Rosenthal, 1997 This text explains the complex law and regulation that applies to advertising and promotion of financial services, enabling practitioners to act with confidence on such key areas as legality and liability for any financial product or service. |
| financial services advertising regulations: Investment Adviser Regulation Clifford E. Kirsch, 2006 Investment Adviser Regulation: A Step-by-Step Guide to Compliance and the Law gives you the thorough regulatory guidance you need to understand the rules currently governing investment advisers while ensuring you keep pace with the tougher rules to come. This straightforward, easy-to-read compliance resource shows you how to file and update the pivotal Form ADV and draft compliant advisory contracts. |
| financial services advertising regulations: Marketing and Mobile Financial Services Aijaz A. Shaikh, Heikki Karjaluoto, 2018-12-21 Mobile financial services (MFS) are of major interest and importance to both researchers and practitioners. The role played by nonbanking actors including telecoms and FinTech firms as well as other participants, such as PayPal and Amazon, in developing and deploying innovative financial and payment services is undeniable. Peer2peer (P2P) payments from nonbank services are becoming increasingly commonplace and will shortly be codified by EC (EU?) regulations requiring banks to provide access to consumer data for third-party app developers and service providers. Three major mobile financial systems—mobile banking, mobile payments, and branchless banking—currently dominate the electronic retail banking sector. Although interconnected and interrelated, their business models, regulatory frameworks, and target markets are distinct. This book provides a unified perspective on MFS and discusses its evolution, growth, and future, as well as identifying the frameworks, stakeholders, and technologies used in financial information systems in general and MFS in particular. Academics and researchers in digital and financial marketing will find this book an invaluable resource, as will bank executives, regulators, policy makers, FinTech professionals, and anyone interested in how mobile technology, social media and financial services will increasingly intersect. |
| financial services advertising regulations: Financial Services Advertising Maxwell Barrett, 2008 Financial Services Advertising: Law and Regulation is the first book to consider exclusively the legal, regulatory and the principal self-regulatory measures applicable to the publication of advertisements for financial products and services in Ireland, identifying what may, must, may not and cannot appear in such advertisements. |
| financial services advertising regulations: Dietary Supplements United States. Federal Trade Commission. Bureau of Consumer Protection, 1998 |
| financial services advertising regulations: Marketing for Bankers Mary A. Pezzullo, 1988 This third edition offers you an opportunity to master the details of the marketing process. MARKETING FOR BANKERS defines what marketing is & why your understanding of this concept is essential in today's competitive economic environment. Chapters are devoted to The Development of a Situation Analysis, Objective Setting & Strategy Formulation, Consumer & Organizational Buying Behavior, Target Market Selection & Position Strategies, & Promotion Strategy: Advertising & Sales Promotion, among many other topics. |
| financial services advertising regulations: Banking Law: New York Banking Law New York (State), 1907 |
| financial services advertising regulations: The Law and Regulation of Financial Institutions Milton R. Schroeder, 2024-05 |
| financial services advertising regulations: 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. |
| financial services advertising regulations: The Financial Services Marketing Handbook Evelyn Ehrlich, Duke Fanelli, 2012-04-03 The roadmap to success for financial professionals using real-world examples, practical how-to's, and a structured approach to marketing strategy and tactics that covers the basics for beginners and inspires new ideas for marketing pros The Financial Marketing Services Handbook, Second Edition gives sales and marketing practitioners the practical tools and best practices they need both to improve their job performance and their retail and institutional marketing strategies. The FSM Handbook guides marketing and sales professionals working in an industry characterized by cut-throat competition, client mistrust, transformative technologies, and ever-changing regulation, to understand the practical steps they must take to turn these threats into opportunities. Providing invaluable information on how to target, win, and retain profitable customers, the book presents an overview of the basic marketing functions—segmentation, positioning, brand building, situational analyses, and tactical planning—as they relate specifically to the financial services industry. With up-to-date case studies, showing what has worked and, more tellingly, what hasn't, the book demonstrates how to effectively utilize the marketer's toolbox—from advertising and public relations to social media and mobile marketing. Discusses how social media (Twitter, Facebook, blogs, review sites) impact branding and sales Packed with new information on landing pages, email success factors, and smartphone apps Demonstrates how behavioral economics affect marketing strategy Case studies and charts are fully revised and updated The financial industry is under intense pressure to improve profits, retain high-value clients, and maintain brand equity without straining budgets. The first edition has become an industry-standard reference book and The Financial Services Marketing Handbook, Second Edition gives sales and marketing professionals even more of the information they need to stretch value from each marketing dollar. |
| financial services advertising regulations: Handbook of Financial Public Relations Pat Bowman, 2014-05-20 Handbook of Financial Public Relations provides a guide in the various aspects of financial public relations. The book is comprised of 13 chapters that cover different concerns in public relations. The coverage of the text includes topics such as media and investor relations; internal communications; and regulation of the financial services industry. The book also discusses the ethics involved; international dimensions; and the role of corporate identity in managing change. Four case studies are also presented. The text will be of great use to public relations practitioner in the finance industry. |
| financial services advertising regulations: Essential Law for Marketers Ardi Kolah, 2012-06-25 'Essential Law for Marketers' offers clear and concise explanations of the laws that impact on the practice of marketing, advertising, sponsorship, design and public relations, providing expert guidance on crucial issues for the busy practitioner. Each chapter in the book offers, in simple English, full analysis of the law on each subject, and illuminates it with numerous examples and cases taken from current industry practice. It also offers helpful tips and suggestions for 'keeping it legal' without losing sight of the overall commercial objectives. Uniquely written from the practitioner's point of view, the text is structured to offer a complete and accessible picture of how the law can impinge on the job: * 'Point of law' offers clear legal definitions or shows the generic application of a legal point in a real life context * 'Law in action' outlines actual legal cases and their outcomes, with full referencing for the case available on the companion site * 'Insight' offers background information, providing a broader practical or commercial context for a legal topic * 'Checklist' at end of each chapter itemises the key issues to bear in mind Essential Law for Marketers covers all the key issues facing those working in the media. From making claims and statements, copyright, defamation, promotion and advertising, through to lobbying, cybermarketing and ambush marketing, it is an invaluable reference guide for anyone working within the sector. It also functions as an excellent learning resource for all marketing students who need to appreciate the legal implications of industry practice. |
| financial services advertising regulations: Dot com disclosures information about online advertising. , The U.S. Federal Trade Commission (FTC) presents the full text of the booklet entitled Dot Com Disclosures in PDF format. The booklet highlights information that businesses should consider as they develop online advertisements to ensure compliance with the law. The FTC highlights the applicability of FTC law to Internet advertising, clear and conspicuous disclosures in online advertisements, and specific issues in applying certain rules and guides to Internet activities. |
| financial services advertising regulations: Marketing Financial Services Mike Wright, Trevor Watkins, 2010-02-17 Within a practical business context of the changing, competitive climate, this book details the implications for marketing strategy. New chapters cover topics such as credit cards and customer care, while several relevant case studies have also been added. Combining analysis of principles, concepts and techniques with sound practical advice, 'Marketing Financial Services' is ideal for students on degree and postgraduate courses, including Chartered Institute of Bankers. There is also a tutor resource pack to accompany the case studies in this textbook. |
| financial services advertising regulations: The Federal Credit Union Act , 1980 |
| financial services advertising regulations: The Routledge Companion to Financial Services Marketing Tina Harrison, Hooman Estelami, 2014-12-05 Interest in Financial Services Marketing has grown hugely over the last few decades, particularly since the financial crisis, which scarred the industry and its relationship with customers. It reflects the importance of the financial services industry to the economies of every nation and the realisation that the consumption and marketing of financial services differs from that of tangible goods and indeed many other intangible services. This book is therefore a timely and much needed comprehensive compendium that reflects the development and maturation of the research domain, and pulls together, in a single volume, the current state of thinking and debate. The events associated with the financial crisis have highlighted that there is a need for banks and other financial institutions to understand how to rebuild trust and confidence, improve relationships and derive value from the marketing process. Edited by an international team of experts, this book will provide the latest thinking on how to manage such challenges and will be vital reading for students and lecturers in financial services marketing, policy makers and practitioners. |
| financial services advertising regulations: Consumer and SME Credit Law Nora Beausang, 2021-12-16 With 2000+ pages of guidance, this important new textbook provides an extensive and in-depth guide to the current labyrinthine regulatory regime relating to consumer and SME credit (by way of cash loans) and protection generally, including the Consumer Protection Code, the Consumer Credit Act (housing loans and non-housing loans), the EU Consumer Credit Regulations, the EU Mortgage Credit Regulations and the Central Bank Housing Loan Regulations. Other lending-related conduct of business requirements are also covered in detail, including the Code of Conduct on Mortgage Arrears, the Lending to SME Regulations, the Code on Related Parties Lending and the Credit Reporting Act, together with applicable EBA/ECB Guidelines dealing with loan origination, product oversight and governance, non-performing exposures/loans and arrears. The regulated activities triggering authorisation as a retail credit firm or credit servicing firm are also addressed in detail. The book additionally extends beyond lending to have application to the wider business of regulated firms in the financial services arena, dealing in detail with issues including the general principles and requirements of the Consumer Protection Code,the fitness and probity regime including the area of minimum competency, distance marketing requirements and other background to the regulatory regime in Ireland including the increased regulatory focus on the culture of regulated firms and product oversight and governance. The available redress/recourse mechanisms are also covered, including the Financial Services and Pensions Ombudsman, the Credit Review Office, the regulatory and other consequences of breach of applicable requirements and the significant risk management area for regulated firms of their customers' statutory right to redress on breach of financial services legislation. In addition, the book has relevance to professionals dealing with consumers in any contractual context including extensive treatment of how the concept of 'consumer' has developed under common law, the unfair commercial practices regime and the increasingly topical area of unfair contract terms legislation. Relevant case law of the Irish courts and other common law jurisdictions, together with an expanding corpus of decisions from the CJEU, are addressed in detail. This book's practical style is designed to assist bankers, other regulated firms, lawyers, compliance professionals and regulators in the application of a complex area. Rather than simply setting out the separate requirements, the book seeks to navigate the at times contradictory legislative and regulatory strands to give (in so far as is possible) a coherent sense of how they integrate. Much of the content is unique and cannot be found in any other publication. An essential addition to the library of every lender, practitioner and compliance and regulatory risk professional, particularly in the areas of consumer and SME credit. |
| financial services advertising regulations: FINANCIAL MARKETS, FINANCIAL INSTITUTIONS AND FINANCIAL SERVICES, SECOND EDITION GOEL, SANDEEP, 2023-06-12 Financial system is the backbone of any economy. During the last few years, India, with its strong financial system, has emerged as one of the fastest growing economies in the world. Today, with the financial sector experiencing an unprecedented boom due to increasing globalisation, the subject of this book has become more important than ever before. In view of the inevitable importance of financial system globally and in India, the present book provides an up-to-date overview of the Indian financial system and an elaborative discussion on its three inter-woven wings of financial markets, institutions and services. Supported by various teaching aids including cases, projects, objectives and review questions, this is a complete book on the subject which covers conventional as well as contemporary topics, besides cultivating a clear understanding of the basic concepts and practices of the constituents of financial system. Primarily designed for postgraduate and undergraduate students of management and allied disciplines of commerce, finance and economics, it is equally useful to the business managers and corporate leaders who would like to be well versed with the basic concepts and mechanism of financial system for achieving professional and personal growth. KEY FEATURES • Covers, in-depth, three constituents and entire gamut of the Financial System in India—financial markets, financial institutions and financial services. • Comprehends the financial instruments and financial innovations that are taking place in the financial markets, such as barter exchange, plastic money, venture capital, credit rating, and more. • Thoroughly updated with current concepts, corporate practices, recent trends, and current data on the subject. • Provides illustrations, case studies, tables, figures for a vivid visual impact and related concepts to real life situations, and presenting complex topics into pleasurable reading and learning experience. • Comprises graded pedagogy—MCQs with solutions, True/false, Fill in the blanks, Short answer questions, Critical thinking questions and discussion problems at the end of each chapter. • Instructor’s manual and Learning Material for Faculty and Students are available at https://www.phindia.com/financial_markets_institutions_and_services_sandeep_goel. TARGET AUDIENCE • MBA (Finance) • M.Com. / MA (Economics) • M.Sc. (Financial Economics) |
| financial services advertising regulations: The Securities Law of Public Finance Robert A. Fippinger, 1988 |
| financial services advertising regulations: The Global Advertising Regulation Handbook Mary Alice Shaver, Soontae An, 2014-12-18 Advertising is an important and visible component of marketing, competition, and consumer awareness. As many companies grow and expand to serve multinational audiences worldwide, there is a concomitant need to understand culture, customs and regulation in the world markets. Not only businesses but consumers and students as well need to understand the workings of advertising and its regulation in worldwide markets. This book is designed to fill this need for students and professionals. The book takes a thorough and critical view of the process in 21 countries, representing four continents of developed countries. An important feature of this handbook is the consistent, carefully plotted format of each chapter, facilitating easy access to key information. For each country, the chapters cover the following: form of government history of regulation along with current operating regulation systems route/manner in which cases are brought forward to regulating bodies advertising codes, if any, and how they work amount of money spent on advertising by year consumerism and its role in advertising specific regulation of advertising to children, health advertising and tobacco advertising sanctions and control of advertising found inadmissible position of commercial speech in country--if any Countries included are Argentina, Australia, Canada, Chile, China/Hong Kong, Colombia, Belgium, Brazil, Denmark, Finland, France, Japan, Korea, Mexico, Peru, Portugal, Spain, Sweden, the United States, and the United Kingdom. Each chapter's contributing author is a known expert in advertising with a particular insight on that country's language, culture, and advertising industry. |
| financial services advertising regulations: Principles of Financial Regulation John Armour, Daniel Awrey, Paul Lyndon Davies, Luca Enriques, Jeffrey Neil Gordon, Colin P. Mayer, Jennifer Payne, 2016 Examining the subject from a holistic and multidisciplinary perspective, Principles of Financial Regulation considers the underlying policies and the objectives of financial regulation. |
| financial services advertising regulations: Financial Services Industry United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Telecommunications and Finance, 1991 |
| financial services advertising regulations: Marketing and Advertising Law in a Process of Harmonisation Ulf Bernitz, Caroline Heide-Jørgensen, 2017-05-04 The law on marketing and advertising has undergone profound changes based on the EU directives on unfair commercial practices and misleading and comparative advertising. The legislation partially requires full harmonisation and contains a comprehensive blacklist of prohibited practices. However, in other areas, only minimum harmonisation is required. A comprehensive case law from the CJEU has emerged, but still many issues remain open, unclear and debated. The EU Commission has an active interest in the field and has published numerous reports on the question. In addition it has developed revised, comprehensive guidelines on marketing business to consumer (B2C), which are fully discussed here. Further Commission initiatives in the area on business to business (B2B) marketing are also in the making, underlining the importance of this new collection. |
| financial services advertising regulations: Federal Supervision of Bank Advertising and Promotion Practices United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee, 1980 |
| financial services advertising regulations: Emotional Appeals in Advertising Banking Services Emmanuel Mogaji, 2018-05-01 Taking into consideration the global financial crisis, the current challenges of competition and open banking, and the looming threat of Brexit, this book explores the implications of using emotional appeals in financial services advertising. |
| financial services advertising regulations: Consumer Financial Services Answer Book (2015 Edition) Richard E. Gottlieb, Arthur B. Axelson, Thomas M. Hanson, 2014 |
| financial services advertising regulations: Unfair Competition Law Frauke Henning-Bodewig, 2006-01-01 The book delineates, with extraordinary clarity and precision, the working of unfair competition law throughout the European Union. Its four comprehensive chapters encompass: basic considerations of definition, subject matter, enforcement, and applicable law: international provisions under the Paris convention, TRIPS, and WIPO model law; analysis of relevant EC directives and regulations and ECJ jurisprudence; and extensive discussions of the national unfair competition laws of all 25 Member States. For each Member State, specific topics covered include such considerations as the following: sources of law; competition law in a nutshell; regulation of advertising; direct marketing; sales promotion; risk of confusion; disparagement, defamation; misappropriation, imitation; impediment of competitors; and breach of the law. The author also provides a selected bibliography of sources for each country. It would be difficult to find a more useful analysis of European Unfair Competition Law than this systematic study. It is practical, thorough, clarifying, and readable, all at the same time. The author untangles the most complex of apparent contradictions with impressive skill. Copies of this book will quickly take their places on the working shelves of interested practitioners, academics, and officials throughout Europe. |
| financial services advertising regulations: The Keys to Banking Law Karol K. Sparks, 2020 This updated edition is a comprehensive resource providing you with tools to demystify the complexities of banking law. The book guides you through today’s system of financial regulation. Sharing decades of accumulated legal learning, the author and contributors discuss their experience and knowledge as banking law professionals and educators providing tips on how to navigate the subject. 'The Keys to Banking Law' guides you through today’s system of financial regulation that is unlike anything else in the world. To that end, the guide: explores the history of banking law in the U.S. to provide context for the complexities of the law examines the bank family, with special emphasis on the unique dual banking system and holding company structure discusses the ?safety net? of FDIC insurance and the Federal Reserve discount window dedicates chapters to all of the myriad laws and regulations attributed to the ?specialness? of the banking charter unveils issues associated with safety and soundness and risk management examines how banks are supervised and examined, how law is enforced and what happens when a bank fails.--Provided by publisher. |
| financial services advertising regulations: A Businessperson's Guide to Federal Warranty Law , 1987 |
| financial services advertising regulations: Irish Company Secretary's Handbook Jacqueline McGowan-Smyth, James Heary, 2019-09-26 Irish Company Secretary's Handbook examines the company secretarial requirements contained in the Companies Acts and relevant EU regulations. The book includes useful chapters on all areas of company secretarial practice, including annual returns, directors' and auditors' responsibilities as well as statutory disclosure requirements. It gives a clear explanation of the many day-to-day functions of a company secretary along with a large number of up-to-date precedents, practical checklists, step-by-step instructions and best practice guidelines. This practical title covers the wide range of developments that have recently affected company secretarial practice and procedure, most notably Companies Act 2014, the changes to the Criminal Justice legislation, and the introduction of GDPR. For ease of use a downloadable version of all precedents that appear in the book is provided. This is a 'must have' book for company secretaries and assistant company secretaries in company formation businesses, law firms and accountancy practices as well as for law students. Solicitors in private practice, in-house solicitors and accountants will also find this a useful resource. |
| financial services advertising regulations: An Examination of the Sufficiency of Capital Adequacy Guidelines for Government Security Dealers Proposed by the Federal Reserve Bank of New York, New York City United States. Congress. House. Committee on Banking, Finance, and Urban Affairs, 1984 |
| financial services advertising regulations: Consumer Protection in Financial Services Southern Methodist University. Institute of International Banking and Finance, 1999-05-06 The question of how financial services should be regulated in the interests of consumers has never been more topical. The structure of the financial services industry is changing rapidly and the need for the law to keep pace with these changes has never been greater. This book examines the role of the law in the protection of the consumer, in particular the ways in which the law is, and could be, used to protect consumers when purchasing financial services. A prominent panel of contributors first examines the role of the European Union and the ombudsmen schemes operating in the United Kingdom in improving consumer protection. Eight expert papers present a detailed analysis of aspects of the various legal mechanisms protecting consumers in the banking, financial services, investments and insurance industries. The final part of the book is concerned with the important and controversial area of consumer credit. This unique work is a welcome contribution to a rapidly developing area of law, which has so far received little attention from commentators. It will be of great interest to those at the cutting edge of banking, financial services and consumer law, whether practicing lawyers or in-house counsel, and all those involved in advising consumers. |
| financial services advertising regulations: The Advertising Age Encyclopedia of Advertising John McDonough, Karen Egolf, 2015-06-18 For a full list of entries and contributors, a generous selection of sample entries, and more, visit the The Advertising Age Encyclopedia of Advertising website. Featuring nearly 600 extensively illustrated entries, The Advertising Age Encyclopedia of Advertising provides detailed historic surveys of the world's leading agencies and major advertisers, as well as brand and market histories; it also profiles the influential men and women in advertising, overviews advertising in the major countries of the world, covers important issues affecting the field, and discusses the key aspects of methodology, practice, strategy, and theory. Also includes a color insert. |
| financial services advertising regulations: Consumer Credit Law and Practice - A Guide Dennis Rosenthal, 2018-01-26 “A new edition of Dennis Rosenthal's Consumer Credit Law and Practice - A Guide is always an event to be welcomed by the busy practitioner... In all this welter of regulation, there is a great need for a work which reduces the mass of case law and regulation covered in encyclopaedic works into a clear, concise and readable form which steers a way through the labyrinth. This is just such a book... It is to be warmly welcomed.” From the Foreword by Roy GoodeThe most useful and comprehensive single volume work on the subject of consumer credit. Consumer Credit Law and Practice - A Guide, Fifth Edition is an easily accessible guide covering all aspects of consumer credit, consumer hire and ancillary credit businesses. Written in a clear and penetrating style, the new fifth edition has been extensively updated and rewritten to take account of all relevant case law, legislative changes and developments, including: - coverage of EU Directives relating to alternative dispute resolution, supervision of credit institutions and consumer credit agreements for residential immovable property - the transfer of licensing from the OFT under CCA 1974 to authorisation and permission by the FCA under FSMA - the substitution of substantial parts of CCA 1974 and regulations under that Act, by FSMA, regulations under FSMA including RAO, and the FCA Handbook, in particular the Consumer Credit sourcebook (CONC) and the Mortgages and Home Finance Conduct of Business sourcebook (MCOB) - new chapters on FCA requirements and procedures relating to authorisation and permission, treating customers fairly, supervision and reporting, and alternative dispute resolution - developments in related areas such as data protection, fraud prevention and anti-money laundering Consumer Credit Law and Practice - A Guide, Fifth Edition is essential reading for: banking and commercial law practitioners; in-house lawyers; companies operating in consumer credit related industries, including banks and building societies, credit card companies, finance and leasing companies; compliance personnel; and consumer advisers. |
| financial services advertising regulations: Financial Advertising Law Philip Circus, 1990 |
| financial services advertising regulations: Regulation Anthony I Ogus, 2004-10-15 This is a reprint of Anthony Ogus' classic study of regulation,first published in the 1990s. It examines how, since the last decades of the twentieth century there have been fundamental changes in the relationship between the state and industry. With the aid of economic theory Anthony Ogus critically examines the ways in which public law has been adapted to the task of regulating industrial activity and provides a systematic overview of the theory and forms of social and economic regulation. In particular, he explores the reasons why governments regulate, for which, broadly speaking, two theoretical frameworks exist. First 'public interest' theories determine that regulation should aim to improve social and economic welfare. Second, 'economic' theories suggest that regulation should aim to satisfy the demands of private interests. The book also looks at the evolution of the forms of regulation in Britain, extending to the policies of privatization and deregulation which were so characteristic of the period. The author skilfully evaluates the advantages and disadvantages of the different forms of regulation, particularly in the light of the two theoretical frameworks, but also by involving an analysis of how firms respond to the various kinds of incentives and controls offered by government. A significant feature of the book is its analysis of the choices made by governments between the different forms of regulation and the influence exerted by interest groups (including bureaucrats) and EC law. |
| financial services advertising regulations: Practice of Advertising Adrian Mackay, 2007-03-30 The Practice of Advertising addresses key issues in the industry, presenting a comprehensive overview of its components. Clarity in both style and content has been ensured so that the information is easily accessible and terminology is suitable for the reader. Based on the successful and highly regarded text previously edited by Norman Hart, this fifth edition contains up-to-date examples to illustrate key points and support underlying principles. Topics addressed range from introducing the roles of advertiser and the advertising agency, through to more specialised areas of advertising such as recruitment and directory advertising. The specialist knowledge gained from the contributors provides a valuable insight for practitioners and students wishing to gain a solid grounding in the subject. By looking at the current situation as well as considering developments likely to occur in the future, the text demonstrates how best to implement existing methods as well as considering how improvements can be made. |
| financial services advertising regulations: Malaysia Business Law Handbook Volume 1 Strategic Information and Basic Laws IBP, Inc, |
| financial services advertising regulations: Consumer Credit Alexander Hill-Smith, 2015-02-20 The field of consumer credit law has undergone major and fundamental change in the recent past, due in part to the regulation since 1 April 2014 of consumer credit by the Financial Conduct Authority, and this book provides a clear and complete guide to this difficult area of law. Fully updated for the second edition, the author considers new developments including: the new authorisation process under the Financial Services and Markets Act 2000, including the interim permission regime, and its consequences; the new regime for financial promotions as applied to credit and hire advertising; the new rules controlling high cost short term lending and peer to peer lending; the new provisions of the recently released Consumer Credit Sourcebook (CONC); the new requirements governing mortgage lending as contained in MCOB; the requirements for distance selling and off-premises contracts as applied to consumer credit and consumer hire including the impact of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013; the jurisdiction of the financial ombudsman service on consumer credit. Also considered is the recent case law on the powerful unfair relationships jurisdiction. This comprehensive and practical guide is essential reading for legal practitioners, finance houses, credit reference agencies and retail organisations. |
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