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banking law

Research Brief

The Prevalence of Criminal Records Among Small Business Owners

This research brief addresses a new estimate of how many U.S. small businesses have owners with criminal history records.

Jun 30, 2021
Blog

RAND Art + Data, 'Gray Market Care,' Supply Chains and Cyberattacks: RAND Weekly Recap

This weekly recap focuses on RAND's new artist residency program, Art + Data; the prevalence of “gray market care” in the United States; supply chains' cyber problem; and more.

Jun 25, 2021
Report

Small Businesses, Criminal Histories, and the Paycheck Protection Program

The Paycheck Protection Program—signed into law as part of the CARES Act in March 2020—provided money for payroll, rent, mortgage, and utilities to small businesses. But companies owned by individuals with criminal backgrounds were ineligible to receive funds. Some of the restrictions were later relaxed, but how many business owners and employees were affected?

Jun 21, 2021
Report

Inching Toward Reform: Trump's Deregulation and Its Implementation

How well does President Donald Trump's plans for a regulation roll-back address the concerns of those who have long supported regulatory reform, and how can agencies best tackle the challenges and opportunities of implementation?

May 18, 2017
Commentary

Let's (Not) Play Games with Dodd-Frank

Dodd-Frank, the 2010 financial reform law, is now itself the target of reform. Those involved with the overhaul could draw inspiration from an unlikely source: video games. A simulation game could help predict the effects of changes to regulations—and avoid high-stakes missteps.

May 4, 2017
Commentary

Central Bank Perversity: The Downside to Aggressive Monetary Policy

Aggressive monetary policy has negative effects on retirees, on income inequality, and on market stability—both domestically and globally.

Sep 13, 2016
Report

Financial Advice Markets: A Cross-Country Comparison

This review compares financial advice markets in a cross-section of countries where regulatory changes aimed at improving the quality of financial advice have recently been made, to determine how such changes have affected them.

Oct 8, 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
Report

The Changing Role of Criminal Law in Controlling Corporate Behavior

What should be the role of criminal law in controlling corporate behavior? Researchers measure the current use of criminal sanctions in controlling corporate behavior and offer suggestions about how doing so might be improved.

Dec 9, 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
Blog

How to Fix Too-Big-to-Fail

At RAND's Politics Aside event, former FDIC Chair Sheila Bair, former U.S. pay czar Kenneth Feinberg, and M&T Bank CEO Robert Wilmers talk with Reuters' Rob Cox about the best ways to tackle the problematic too-big-to-fail doctrine.

Dec 28, 2012
Blog

Feinberg: Financial Regulation Paralyzed by Politics

During a panel discussion at RAND's Politics Aside event, former U.S. pay czar Kenneth Feinberg says politics has seeped into the financial regulatory process, causing it to grind to a halt.

Dec 4, 2012
Report

Corporate Culture and Ethical Leadership Under the Federal Sentencing Guidelines: What Should Boards, Management, and Policymakers Do Now?

On May 16, 2012, RAND hosted a symposium that brought together senior thought leaders for a discussion about organizational culture and the business and policy ramifications of efforts to build better ethical cultures in corporations.

Sep 27, 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
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 18, 2012

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RAND Topic:
Banking and Finance Legislation

Topic Synonyms:
Bank Law;
Banking Law;
Finance Law

Research conducted by

RAND Institute for Civil Justice