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Got Bounded Rationality And Political Gridlock? There's A Loan Disclosure Hack For That, Debra Pogrund Stark, Jessica M. Choplin, Andrew Pizor 2020 UIC John Marshall Law School

Got Bounded Rationality And Political Gridlock? There's A Loan Disclosure Hack For That, Debra Pogrund Stark, Jessica M. Choplin, Andrew Pizor

Cleveland State Law Review

For decades, Congress has primarily relied upon the use of mandatory disclosure forms to protect consumers from entering into ill-advised loans by disclosing the terms of an offered loan before the borrower enters into it. This policy is not likely to change any time soon due to congressional gridlock. Frustratingly, despite improvements, consumers still have difficulties using these forms to obtain the key information and data they need to make wise decisions. These disclosures contain a great deal of information, and assume that consumers are capable of reading, understanding, and using all of it. Contrary to this assumption, research on ...


Too Many To Fail: Against Community Bank Deregulation, Jeremy C. Kress, Matthew C. Turk 2020 Northwestern Pritzker School of Law

Too Many To Fail: Against Community Bank Deregulation, Jeremy C. Kress, Matthew C. Turk

Northwestern University Law Review

Since the 2008 financial crisis, policymakers and scholars have fixated on the problem of “too-big-to-fail” banks. This fixation, however, overlooks the historically dominant pattern in banking crises: the contemporaneous failure of many small institutions. We call this blind spot the “too-many-to-fail” problem and document how its neglect has skewed the past decade of financial regulation. In particular, we argue that, for so- called community banks, there has been a pronounced and unjustifiable shift toward deregulation, culminating in sweeping regulatory rollbacks in the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018.

As this Article demonstrates, this deregulatory trend rests ...


Is The Federal Reserve Constitutional? An Originalist Argument For Independent Agencies, Christine Kexel Chabot 2020 Associate Director for Regulation, Institute for Consumer Antitrust Studies, and Distinguished Scholar in Residence, Loyola University Chicago School of Law

Is The Federal Reserve Constitutional? An Originalist Argument For Independent Agencies, Christine Kexel Chabot

Notre Dame Law Review

Originalists have written off the Federal Reserve’s independent monetary policy decisions as an unconstitutional novelty. This Article demonstrates that the independent structure of the Federal Reserve dates back to a Founding-era agency known as the Sinking Fund Commission. Like the Federal Reserve, the Commission conducted open market purchases of U.S. securities with substantial independence from the President. The Commission’s independent structure was proposed by Alexander Hamilton, passed by the First Congress, and signed into law by President George Washington. Their decisions to create an independent Commission with multiple members to check the President and one another—and ...


Reimagining State Banking Regulators: How The Principles Underlying The Consumer Financial Protection Bureau Can Serve As A Blueprint For A New Regulatory Federalism, Seth Frotman 2020 Executive Director of the Student Borrower Protection Center

Reimagining State Banking Regulators: How The Principles Underlying The Consumer Financial Protection Bureau Can Serve As A Blueprint For A New Regulatory Federalism, Seth Frotman

Maine Law Review

With hundreds of millions of Americans owing more than $14 trillion in combined household debt, a robust consumer financial protection framework is necessary to protect consumers when accessing critical credit markets. America relies on a complimentary system of regulatory federalism to uphold these protections, premised on robust state oversight and enforcement. However, the current implementation of this system is failing to meet the needs of this moment. Since the Great Recession, federal policymakers and regulators have devoted significant energy and resources to strengthen the oversight and accountability mechanisms of the consumer finance market—but these efforts have largely overlooked the ...


Foreword: Consumer Financial Protection Budget Proposal In California, Richard Cordray 2020 University of Maine School of Law

Foreword: Consumer Financial Protection Budget Proposal In California, Richard Cordray

Maine Law Review

No abstract provided.


Perceived Benefits And Barriers To Participation In Exercise Among Jordanian University Students, Khaldoun Hamdan 2020 Al Ahliyya Amman University

Perceived Benefits And Barriers To Participation In Exercise Among Jordanian University Students, Khaldoun Hamdan

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

Insufficient physical activity is a risk factor for many non-communicable diseases, therefore; the purpose of this study is to examine university students’ perceived exercise benefits and barriers. This cross-sectional descriptive study used Exercise Benefits/Barriers Scale to examine perceived benefits and barriers to exercise among a convenience sample of 517 university students in Jordan. Participants reported significantly higher perceived barriers to exercise than perceived benefits from exercise. The most important perceived barrier to exercise was “I am too embarrassed to exercise”. Moreover, “I will live longer if I exercise” and “exercising increases being accepted by others” were the most important ...


Project Management: A Help Or Hindrance A Collaborative Research, Ayman Abu-Rumman 2020 Al Ahliyya Amman University

Project Management: A Help Or Hindrance A Collaborative Research, Ayman Abu-Rumman

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

This small-scale mixed method study explored perceptions of how different project management approaches and tools are used by those working in industry and within academia, and how this may impact on collaborative research projects given their distinct and unique nature. The study also aimed to generate suggestions for how collaboration between industry and academia could be strengthened in the future. Underpinned by a phenomenological perspective, a survey and interviews were conducted with a sample of Jordanian professionals from different industry and academic organisations who had previous experience of working on collaborative research projects. The study identified, consistent with other studies ...


Build A Job Satisfaction Scale From The Views Of Aau Academic Staff In According With The Item Response Theory, Mohammed Marshoud 2020 Al Ahliyya Amman University

Build A Job Satisfaction Scale From The Views Of Aau Academic Staff In According With The Item Response Theory, Mohammed Marshoud

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

The study aimed to build a job satisfaction scale from the views of AAU academic staff in according with the item response theory, where the population study consisted of all academic members at Al-Ahliyya Amman University (AAU) for the year (2018/2017), and they approximately reach (257) academic members, the sample consisted of (154) academic members, which constituted 60 of the original study population, (92) males and (62) females who were randomly selected. The study tool was designed and built based on theoretical literature and scales on measuring job satisfaction at universities. the study tool consisted of (60) items which ...


The Level Teachers’ Knowledge In Public Education For Learning Disabilities Students In Regards Of Variables In Kuwait, Ahmad Saeedy 2020 PAAET Basic Education College

The Level Teachers’ Knowledge In Public Education For Learning Disabilities Students In Regards Of Variables In Kuwait, Ahmad Saeedy

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

Knowledge, Teachers, learning difficulties, Kuwait, Training Experience


Review Of The Curving Techniques To Evaluate University Test Scores: A Critical And Analytical Study, Afif Rahma, Sophie Barguil 2020 Al Ahliyya Amman University

Review Of The Curving Techniques To Evaluate University Test Scores: A Critical And Analytical Study, Afif Rahma, Sophie Barguil

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

This study presents a critical review of the proposed mathematical methods for curving students scores. Through the presentation of these methods, the study attempts to ask key questions such as: the causes of dispersion in the tests results, the criteria and principles on which the curving methods are based, the limits of application of these methods. The study also attempts to examine the role of the cognitive level of the student, the subjective factors related to the process of learning and teaching, the conditions of admission and registration in the university programs, and the impact of the above on the ...


The Impact Of Using The Electronic Barcode Test Via Smartphone In The Achievement Of The Graduate Students In The Achievement Of The Graduate Students In The Faculty Of Educational Sciences At Amman Arab University And Their Attitudes Towards It., Jehad Almomani, Moen AlNasraween 2020 Amman Arab University

The Impact Of Using The Electronic Barcode Test Via Smartphone In The Achievement Of The Graduate Students In The Achievement Of The Graduate Students In The Faculty Of Educational Sciences At Amman Arab University And Their Attitudes Towards It., Jehad Almomani, Moen Alnasraween

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

This study aimed to identify the effectiveness of using barcode via smartphone in the achievement of graduate students in the Faculty of Educational Sciences at Amman Arab University and their attitudes towards it. The sample of this study is consisted of (63 male and female students studying the statistics in the scientific research course at the Faculty of Educational Sciences in the second semester of the academic year (2018-2019). The sample was selected in an intentional manner and it was divided randomly into two groups; one is experimental and the other one is control. To achieve the goal of this ...


Human Resources Planning And Its Effect On The Application Of Total Quality Management Of Jazan University, Zakyeh Arishi, Ikhlas Altarawneh 2020 Alfaisal University

Human Resources Planning And Its Effect On The Application Of Total Quality Management Of Jazan University, Zakyeh Arishi, Ikhlas Altarawneh

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

This study aims to examinethe effect of Human Resources Planning on the application of Total Quality Management at Jazan University. It aims to demonstrate the actuality of Human Resources Planning practices and process the application of Total Quality Management in Jazan University. The study adopts the descriptive analytical approach by using self-administrated questionnaire as a data collection method. The questionnaire was distributed to a convenient proper sample out of (100) top management level at human resources officials, and quality officials in Colleges of Arts and Sciences in Al-Ardha and Samtah, College of Education in-Arts Departments in Sabya, Academic Institution for ...


Goal Orientation Driving To Study By The Students Institute Science And Technical Physical And Sports Activities In Souk Ahras University, Algeria, BenSayah Samir 2020 University of Souk Ahras

Goal Orientation Driving To Study By The Students Institute Science And Technical Physical And Sports Activities In Souk Ahras University, Algeria, Bensayah Samir

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

The purpose of the study was to know the level of goal orientation Driving to study by the students of institute science and technical physical and sports activities in Souk Ahras University, as the differences between them according to the variables of the sex, the level of study and the specialty. For that, the researcher used the descriptive analytical method and has distributed a questionnaire (Elliot & Charch 1997) to a simple of 72 students, then he statistically treated the results using the software spss. We found that students have a high level goal orientation and that there are no differences ...


Harmonization Between The Outputs Of Community Colleges And The Labor Market In The Kingdom Of Saudi Arabia /Community College In Hafr Al-Batin As A Sample Model, Leena Alkhlewi 2020 King Saudi University

Harmonization Between The Outputs Of Community Colleges And The Labor Market In The Kingdom Of Saudi Arabia /Community College In Hafr Al-Batin As A Sample Model, Leena Alkhlewi

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

This study aims to provide a methodology proposed to achieve harmonizing between the Graduates of community colleges and the Saudi labor market needs. The researcher uses the descriptive survey method. A questionnaire is made to collect credible and acceptable data, whose basic study sample is faculty members in Community Service College in Hafr Al-Batin, which are 32 members. Researcher has got 26 answers, and this study has been applied during academic year 2018G, 1439H. the most prominent results are that there is a high degree agreement of harmonizing between theoretical and applied courses, and that courses of Community College in ...


The Degree Of Commitment Of The Faculty Members In The Faculty Of Arts And Sciences In Al-Ahliyya Amman University To The Basic Rules In Building Objective Tests, Attributed To Some Variables, Awnieh Sawalha, Asmaa Al Omary 2020 Al Ahliyya Amman University

The Degree Of Commitment Of The Faculty Members In The Faculty Of Arts And Sciences In Al-Ahliyya Amman University To The Basic Rules In Building Objective Tests, Attributed To Some Variables, Awnieh Sawalha, Asmaa Al Omary

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

This study aimed to determine the degree of commitment among faculty members of the Art and Science faculty at Al Ahliyya Amman University to the basic rules in the construction of objective tests of 4 various types; true or false, filling the blank, multiple choice questions, comparison question. And weather the commitment degree is affected by different variables like years of experience and speciality. The study sample consisted of 41 faculty members, who were chosen intentionally from different specialties in the art and science faculty of the 2017/2018 academic year. The researchers developed a tool to measure the degree ...


Why Financial Regulation Keeps Falling Short, Dan Awrey, Kathryn Judge 2020 Cornell Law School

Why Financial Regulation Keeps Falling Short, Dan Awrey, Kathryn Judge

Boston College Law Review

This Article argues that there is a fundamental mismatch between the nature of finance and current approaches to financial regulation. Today’s financial system is a dynamic and complex ecosystem. For these and other reasons, policy makers and market actors regularly have only a fraction of the information that may be pertinent to decisions they are making. The processes governing financial regulation, however, implicitly assume a high degree of knowability, stability, and predictability. Through two case studies and other examples, this Article examines how this mismatch undermines financial stability and other policy aims. This examination further reveals that the procedural ...


Stewardship 2021: The Centrality Of Institutional Investor Regulation To Restoring A Fair And Sustainable American Economy, Leo E. Strine Jr. 2020 University of Pennsylvania

Stewardship 2021: The Centrality Of Institutional Investor Regulation To Restoring A Fair And Sustainable American Economy, Leo E. Strine Jr.

Faculty Scholarship at Penn Law

In this essay, which formed the basis for the luncheon keynote speech at the Rethinking Stewardship online conference presented by the Ira M. Millstein Center for Global Markets and Corporate Ownership at Columbia Law School and ECGI, the European Corporate Governance Institute, the essential, but not sufficient, role of regulation to promote more effective stewardship by institutional investors is discussed. To frame specific policy recommendations that align the responsibilities of institutional investors with the best interests of their human investors in sustainable wealth creation, environmental responsibility, the respectful treatment of stakeholders, and, in particular, the fair pay and treatment of ...


Enough Is As Good As A Feast, Noah C. Chauvin 2020 Seattle University School of Law

Enough Is As Good As A Feast, Noah C. Chauvin

Seattle University Law Review

Ipse Dixit, the podcast on legal scholarship, provides a valuable service to the legal community and particularly to the legal academy. The podcast’s hosts skillfully interview guests about their legal and law-related scholarship, helping those guests communicate their ideas clearly and concisely. In this review essay, I argue that Ipse Dixit has made a major contribution to legal scholarship by demonstrating in its interview episodes that law review articles are neither the only nor the best way of communicating scholarly ideas. This contribution should be considered “scholarship,” because one of the primary goals of scholarship is to communicate new ...


The United Kingdom's Secured Commercial Paper Facility (U.K. Gfc), Claire Simon 2020 Yale University

The United Kingdom's Secured Commercial Paper Facility (U.K. Gfc), Claire Simon

Journal of Financial Crises

In mid-2009, the Bank of England (Bank) opened the Secured Commercial Paper Facility (SCPF) as part of its larger Asset Purchase Facility (APF). Through the facility, the Bank offered to purchase secured commercial paper (SCP), a form of asset backed commercial paper, issued by approved programs from both dealers acting as principal in the primary market and after issue from secondary market holders. The facility was designed to establish the Bank as a ready buyer of SCP in the primary market and as a backstop purchaser in the secondary market. In extending the APF to include purchases of SCP, the ...


The European Central Bank's Securities Markets Programme (Ecb Gfc), Ariel Smith 2020 Yale University

The European Central Bank's Securities Markets Programme (Ecb Gfc), Ariel Smith

Journal of Financial Crises

The Eurozone struggled during the escalation of the sovereign debt crisis in 2010. In order to aid malfunctioning securities markets, restore liquidity, and enable proper functioning of the monetary policy transmission mechanism, the European Central Bank (ECB) instituted the Securities Markets Programme (SMP) on May 9, 2010. This program enabled Eurosystem central banks to purchase securities from entities in Greece, Ireland, Portugal, Italy, and Spain. The program ended on September 6, 2012, and evaluations of its effectiveness are mixed.


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