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Banking and Financial Services

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.

Testimony

A Survey of Terrorist Financing: Addendum

Document submitted on June 12, 2015 as an addendum to testimony presented before the House Financial Services Committee, Task Force to Investigate Terrorist Financing on April 22, 2015.

Jun 15, 2015
Report

Potential Economic Effects on Individual Retirement Account Markets and Investors of DOL's Proposed Rule Concerning the Definition of a 'Fiduciary'

This paper examines the potential effects of the U.S. Department of Labor, Employee Benefits Security Administration's proposed rule 29 CFR Part 2510, Definition of the Term "Fiduciary" on people with Individual Retirement Accounts.

Apr 28, 2015
Testimony

Breaking the Bank: Undermining Terrorist Financing

Undermining the financing of terrorist groups must be done as part of a broader effort to undermine terrorist ideology. Policies should focus on the most significant threats to the United States and utilize tools that target the ways these groups finance themselves.

Apr 22, 2015
Report

Defense Working Capital Fund Pricing in the Defense Finance and Accounting Service: A Useful, but Limited, Tool

RAND researchers consider the advantages and disadvantages of funding the Defense Finance and Accounting Service through a Defense Working Capital Fund versus using direct appropriations.

Feb 16, 2015
Commentary

After a Year of Major Hacks, 2015 Resolutions to Bolster Cyber Security

With numerous data breaches and emerging software vulnerabilities, 2014 was the year the hack went viral. But realizing a few New Year's resolutions in 2015 could help defenders make strides in protection, tools, and techniques to gain the edge over cyber attackers in years to come.

Dec 31, 2014
Commentary

Preventing Cyber Attacks: Sharing Information About Tor

While Tor has many benefits, it is also used to hide criminal activity online such as the recent cyber attacks against JPMorgan Chase and Sony Pictures. The U.S. government should share the IP addresses of Tor network nodes with U.S. critical infrastructure and financial firms so that future cyber attacks could be prevented.

Dec 17, 2014
Infographic

Money Under the Mattress? New Findings Show Growing Rates of Unbanked Americans

The data from a survey by RAND's American Life Panel suggests that the percentage of American households with no savings or checking bank accounts is increasing.

May 15, 2014
Report

Distributing Noncontributory Pension Benefits by Debit Card in Mexico: A Pilot Test

This report describes a pilot test of debit-card disbursal of pensions in Yucatan, Mexico, and explores the results from several surveys of the pilot group.

May 6, 2014
News Release

Both Fair Value and Historical Cost Accounting Contribute to Systemic Risk in the Financial Sector

Although fair value accounting was blamed by some as the primary cause of the 2008 financial crisis, this was probably not the case. Nevertheless, policymakers should be aware that both fair value and historical cost accounting sometimes can produce misleading information, resulting in both institutional and systemic risk.

Oct 9, 2013
Report

Both Fair Value and Historical Cost Accounting Contribute to Systemic Risk in the Financial Sector

Although fair value accounting was blamed by some as the primary cause of the 2008 financial crisis, this was probably not the case. Nevertheless, policymakers should be aware that both fair value and historical cost accounting sometimes can produce misleading information, resulting in both institutional and systemic risk.

Oct 9, 2013
Research Brief

Systemic Risk in the Financial Sector: The Role of Fair Value Accounting Versus Historical Cost Accounting

Examines the relationship between fair value accounting and historical cost accounting and systemic risk to the financial system, including the role that accounting approaches played in the 2008 and earlier financial crises.

Oct 9, 2013
Multimedia

RAND Behavioral Finance Forum 2013: Improving Consumer Well-Being through Behavioral Finance

Video compilation of the 2013 Behavioral Finance (BeFi) Forum in Washington, D.C., a day-long event that included a series of topical panels on curated presentations of academic research followed by discussion by leading practitioners.

Aug 26, 2013
Report

Hedge Funds, Systemic Risk, and Dodd-Frank: The Road Ahead

These proceedings summarize the key themes and issues raised during a September 2012 RAND symposium. Discussion focused on how hedge funds might contribute to systemic risk and the extent to which recent financial reforms address these risks.

Jun 12, 2013
Commentary

The Real Cyber Threat

The fact is that the United States needs to gear up for the coming era of cyber threats — and start by ensuring its financial flank is not catastrophically compromised, writes Mark Sparkman.

May 21, 2013
Report

Regulatory cultures and research governance

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.

Mar 1, 2013
News Release

Hedge Funds Not a Primary Cause of the Financial Crisis, but Could Contribute to Systemic Risk

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.

Sep 19, 2012
Report

Hedge Funds Not a Primary Cause of the Financial Crisis, but Could Contribute to Systemic Risk

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.

Sep 19, 2012
Research Brief

Do Hedge Funds Pose a Systemic Risk to the Economy?

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.

Sep 19, 2012
Dissertation

Saving for the Future: Trends, Patterns and Decision-Making Processes Among Young Americans

Explores financial decision-making and outcomes among young adults in the United States in order to inform policies that promote saving and financial security.

Aug 9, 2012
Report

New Findings on the Unbanked in America: Results from the 2011 American Life Panel Survey

Presents summary data from the American Life Panel on the 2011 banking practices of U.S. household respondents.

May 8, 2012

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RAND Topic:
Banking and Financial Services

Topic Synonyms:
Bank Solvency;
Banks

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