Banking and Financial Services Issues

This page offers an easy way for policymakers to access banking and financial services research and analysis that is relevant to current Congressional agendas. For additional information, to request documents, or to arrange a briefing, contact the RAND Office of Congressional Relations at ocr@rand.org or (703) 413-1100 x5643.

Recent Findings

  • Game pieces atop stacks of coins of various heights, depicting income inequity, photo by Andrii Zastrozhnov/Getty Images

    Research Brief

    A New Approach to Measuring Income Inequality

    Apr 30, 2021

    A new method for measuring income inequality reveals that, from 1975 to 2018, the only group for which actual income gains exceeded U.S. GDP growth was the group near the 99th percentile of income distribution.

  • Blog

    Americans' Financial Struggles, COVID-19 Vaccinations, Virtual Schools: RAND Weekly Recap

    Dec 18, 2020

    This weekly recap focuses on Americans' ongoing financial struggles, how we can learn from the first phase of COVID-19 vaccinations, why virtual schools may be here to stay, and more.

  • Cars line up during a food drive in East Rutherford, New Jersey, November 24, 2020, photo by Brendan McDermid/Reuters

    Report

    Americans' Financial Difficulties Continue

    Dec 17, 2020

    As the pandemic continues, many U.S. households are struggling to pay their bills. No income group has been spared financial difficulties, but the most-vulnerable households have been hit the hardest. There are severe challenges among lower-income workers and among Black and Hispanic households.

  • Lease application form on a tablet with glasses, keyboard, and coffee cup, photo by courtneyk/Getty Images

    Commentary

    Your Personal Information Could End Up in the Hands of Foreign Investors

    Dec 16, 2020

    If you've ever rented a property, you may have wondered what happens to the sensitive information on your application. Recent concerns over the foreign harvesting of personal information for questionable purposes should worry everyone.

  • Cloud service icon with options and devices, photo by artisteer/Getty Images

    Commentary

    Too Interconnected to Fail

    Aug 22, 2020

    The 2007–08 financial crisis made regulators and lawmakers acutely aware that some financial institutions had become too big to fail. The next big economic crisis may arise outside the financial sector, in highly networked companies that are too interconnected to fail.

More Research on Banking and Finance

Briefings

More Banking and Financial Services Briefings

Alerts & Newsletters

RAND periodically sends email alerts to update Congress on highlights of recent work concerning banking and financial services.

  • Web access

    In Case You Missed It: Data Thieves

    Mar 22, 2018

    In 2017, there were more than one thousand data breaches exposing over a billion records of sensitive data. What's happening to stolen data and how is it being monetized? Lillian Ablon addresses these concerns.

  • Hands typing with visual of computer code

    In Case You Missed It: Equifax and the Data-Breach Era

    Nov 13, 2017

    There has been a recent string of large-scale data breaches that have compromised the private information of millions of customers. Lillian Ablon and Sina Beaghley briefed Congressional staff on how the government and breached companies can better protect victims.

  • An image of one of the original World Trade Center Towers is displayed in the window

    Should TRIA Continue Or Be Allowed to Expire?

    Sep 15, 2014

    Since the Terrorism Risk Insurance Act (TRIA) was reauthorized in 2007, terrorism insurance has remained widely available and the price has fallen. With TRIA set to expire in December, however, it is unclear whether improvements in the market since TRIA was first passed in 2002 can be sustained without it.

  • Person filling out a work injury claims form

    Expiration of TRIA Could Prove Costly for Workers' Compensation Markets, Businesses, and States

    May 9, 2014

    Policy debates over extending the Terrorism Risk Insurance Act have focused mainly on property insurance, yet certain institutional features of workers' compensation markets could cause the act's expiration to have very different consequences.

  • New York City firefighters pour water on the wreckage of 7 World Trade Center in Sept. 2001

    New Study: Extending TRIA Could Lower Federal Costs

    Apr 16, 2014

    The Terrorism Risk Insurance Act will expire at the end of this year and Congress is considering the appropriate government role in terrorism insurance markets. In a terrorist attack with losses up to $50 billion, the federal government would spend more helping to cover losses than if it had continued to support a national terrorism risk insurance program.

  • RAND.org's Redesign: New Homepage and Navigation Optimization for All Devices

    Mar 20, 2014

    RAND.org has been reimagined to make high quality research and insights more accessible to Hill staff like you. The new homepage and updated navigation optimize content delivery for your preferred device and place our most timely content at your fingertips.

  • A group of firefighters walk amid rubble near the base of the destroyed World Trade Center in New York on September 11, 2001

    Expiration of Terrorism Risk Insurance Act Could Impact National Security

    Mar 12, 2014

    The current terrorism risk insurance act will expire in 2014 and Congress again is considering the appropriate government role in terrorism insurance markets. If the act expires and the take-up rate for terrorism insurance falls, then the U.S. would be less resilient to future terrorist attacks.

Briefs

More Research on Banking and Finance