author: douglas w arner

... (hammer) for the son of Odin, Thor? Slick gears and intelligent equipment can transform a mere mortal into Batman to ... online payment directly to the authorities or government agencies that handle visas and passports for migrant workers ...

... Code of Ethics supplements the Code of Conduct (latest version June 2013) 3. Bank of America U.S.A. Code of Ethics has 11 key themes (including “We act ethically”): the Code was amended 25 April 2013 4. HSBC Holdings United Kingdom Among ...

The Financial Technology Handbook for Investors, Entrepreneurs and Visionaries in Regulation Janos Barberis, Douglas W. Arner, Ross ... switch from a manual process to a partially digitized solution can effectively disrupt an FI's illicit ...

... Non-substitutable Financial Functions Perhaps the most obvious channel of transmission is the sudden loss of financial function that is both essential and not readily substitutable. One example would be a failure of a major financial ...

... (1) application. 52See Sir Mark Walport, FinTech Futures: The UK as a World Leader in Financial Technologies, Report of the UK Government Chief Scientific Adviser (March 2015): 48 (https://www.gov.uk/government/uploads/system/uploads ...

... (BSP), Regulations on Financial Consumer Protection, provide that financial institutions supervised by BSP should ... gov.ph/downloads/Regulations/MORB/MORB1.pdf> accessed 9 January 2019. 80 Bangko Sentral ng Pilipinas [Central Bank of ...

... 108). Solutions to these questions include: • Requiring fees for structured finance ratings to be paid by investors or investor representatives. This would introduce wider concerns as to rating agency liability. • Limits to permissible ...