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

  • Mock Bitcoins are displayed in Berlin, January 7, 2014, photo by Pawel Kopczynski/Reuters

    Report

    Terrorist Use of Cryptocurrencies

    Mar 27, 2019

    Counterterrorism finance strategies have reduced terrorist access to official currencies. Will terrorist groups therefore increase their use of digital cryptocurrencies? New ones have emerged, including some that claim to be more private and secure than Bitcoin, but they also have limitations that make them less viable.

  • Woman seated on the floor, surrounded by bills and receipts, photo by David Sacks/Getty Images

    Commentary

    What the Shutdown Revealed About the Fragility of American Life

    Feb 11, 2019

    The government shutdown highlighted the lack of resilience many suffer from when they encounter unexpected economic events. The median American family has been losing ground for decades. Policy responses to address this situation will be complex and difficult, but are much needed.

  • Top view of a young man with a stack of overdue bills

    Commentary

    What Keeps Millennials Awake at Night Could Change Over Time

    Jul 30, 2018

    Millennials are less worried than baby boomers about national security topics and more worried about kitchen table issues, such as making ends meet each month and paying off debts. But this may have less to do with the fact that they are millennials and more to do with the fact that millennials are young.

  • Woman working in florist shop

    Research Brief

    Many Americans Follow Nontraditional Paths to Retirement

    Jul 30, 2018

    Most U.S. seniors don't follow the “standard” pattern of retirement. For example, many stay in full- or part-time posts past age 70. Health and economic factors, cognitive abilities, and personality traits can shape Americans' retirement paths.

  • Graphic of digital integrated network technology

    Testimony

    A Close Look at Data Thieves

    Mar 15, 2018

    What do cyberattackers do with the data they steal? And how do they monetize it? Grouping hackers by their goals, motivations, and capabilities can shed light on these questions.

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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

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