Banks and financial service providers often seek expert guidance on regulatory compliance, ethics, insurance liability, and investment safety. RAND's commitment to objective, nonpartisan analysis has helped us to forge ongoing partnerships with national and international institutions to explore policy questions that affect infrastructure, safety, investment, compliance, and ethical aspects of the banking and financial services industries.
This is a comparative study of the practice of those who are subject to regulatory requirements in the health research, medical drugs, environmental and financial sectors conducted to assist understanding of health research governance in the UK.
Having a bank account increases security, reduces vulnerability to theft, and helps account holders develop financial smarts. But new findings show growing rates of unbanked Americans.
Although hedge funds worsened the financial crisis in certain ways, the industry did not play a pivotal role compared to other agents, such as credit rating agencies, mortgage lenders, and issuers of credit default swaps. However, hedge funds do have the potential to contribute to disruptions of the U.S. financial system.
Hedge funds did not play a pivotal role in the financial crisis compared to other agents, such as credit rating agencies, mortgage lenders, and issuers of credit default swaps. However, hedge funds do have the potential to contribute to disruptions of the U.S. financial system.
RAND research finds that hedge funds did not play a pivotal role in the financial crisis of 2007-2008 but assesses how such funds could contribute to systemic risk in the future.
Explores financial decision-making and outcomes among young adults in the United States in order to inform policies that promote saving and financial security.
Presents summary data from the American Life Panel on the 2011 banking practices of U.S. household respondents.
A preliminary assessment of the impact of the financial crisis on the civil justice system finds that litigation demands on some parts of the system have increased, that funding for state courts may be trending downward, and that there have been disruptions in the legal services economy, in the provision of legal aid, and in the operation and staffing of courts.
Working with a credit union, Financial Literacy Center researchers are piloting a voluntary, in-person annual "financial health check" service with follow-up, to help households improve their financial decisions. The project is also testing the pilot's effects on behavior.
Hispanic immigrants constitute a rapidly growing share of the U.S. population but are less likely to be financially literate than natives. RAND researchers are investigating barriers to Hispanic immigrants' use of financial services and evaluates financial education materials for them.
The RAND Behavioral Finance (BeFi) Forum is a collective of academic, financial, and government leaders who meet regularly in person and via web seminars to foster cutting-edge behavioral research for practical application. BeFi's mission is to help consumers make better financial decisions.
Examines the economics of financial firms, their governance practices, and governance-performance links.
Explores the adoption of multifactor authentication (MFA) -- which combines something you know (e.g., a PIN), something you have (e.g., a token), and/or something you are (e.g., a fingerprint) -- to identify users to a computer system.
At the first annual conference of the Financial Literacy Research Consortium, scholars discussed how programs, educational products, and policies can best promote financial planning and security. Videos from the presentations are available on rand.org.
A conference highlighting the latest developments in improving the financial literacy of the American public is being held Nov. 18 and 19 in Washington D.C. by the Financial Literacy Center and the U.S. Social Security Administration.
The RAND Behavioral Finance Forum held on May 25, 2010, focused on new policy options in consumer finance with staff and members of Congress and other policymakers, and with representatives of academe and the financial industry.
A new center dedicated to improving the financial literacy of the American public has been launched by the RAND Corporation, Dartmouth College and the Wharton School of the University of Pennsylvania.
The RAND Behavioral Finance Forum, an organization dedicated to helping consumers make better financial decisions, held a conference on May 1, 2009, to discuss new policy options in consumer finance with staff and members of Congress and other policymakers, and with representatives of academe and the financial industry.
The 2009 Behavioral Finance Forum (BeFi) conference will be held on May 1 in Washington DC to discuss new policy options to help consumers better manage their finances with staff and members of congress and other policymakers.
Reports the results of an Internet survey conducted with the American Life Panel to address issues related to consumers' perceptions of credit unions and financial institutions and to help credit unions understand consumer behavior.