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Full-Text Articles in Law
Regulating Bank Reputation Risk, Julie A. Hill
Regulating Bank Reputation Risk, Julie A. Hill
Georgia Law Review
In the aftermath of a school shooting in Florida, the
New York State bank regulator urged banks to manage
the “reputation risk” posed by doing business with the
National Rifle Association (a gun rights advocacy
group). As part of Operation Choke Point, a federal
regulator told banks to end relationships with payday
lenders because those activities posed “reputation risk.”
Another federal regulator warns banks their reputations
might be damaged by lending to oil and gas companies
that are perceived to cause environmental harm.
Reputation risk is the risk that bank stakeholders will
negatively change their perception of the bank. It …
Overlapping Legal Rules In Financial Regulation And The Administrative State, Matthew C. Turk
Overlapping Legal Rules In Financial Regulation And The Administrative State, Matthew C. Turk
Georgia Law Review
Reforms which seek to overhaul the Dodd-Frank Act
have begun to gain support within the Trump
Administration and Congress. The leading proposals go
beyond technical matters and reflect a wholesale
critique: financial regulation has become too
burdensome, too complex, and grants too much
discretion to regulators. This Article argues that what is
really at stake in these debates is the distinct issue of
“regulatory overlap”—the joint use of multiple legal
rules to address a common market failure. It begins by
developing a general framework for analyzing
overlapping legal rules of all kinds. That framework is
then applied in case studies …