LEADER 03574oam 22006611c 450 001 9910784284903321 005 20200115203623.0 010 $a1-4725-5960-6 010 $a1-280-80774-1 010 $a9786610807741 010 $a1-84731-029-X 024 7 $a10.5040/9781472559609 035 $a(CKB)1000000000338423 035 $a(EBL)270672 035 $a(OCoLC)476004629 035 $a(SSID)ssj0000108775 035 $a(PQKBManifestationID)11138239 035 $a(PQKBTitleCode)TC0000108775 035 $a(PQKBWorkID)10044786 035 $a(PQKB)10499523 035 $a(MiAaPQ)EBC1772686 035 $a(MiAaPQ)EBC270672 035 $a(Au-PeEL)EBL1772686 035 $a(CaPaEBR)ebr10276197 035 $a(CaONFJC)MIL80774 035 $a(OCoLC)191726225 035 $a(UtOrBLW)bpp09256112 035 $a(Au-PeEL)EBL270672 035 $a(EXLCZ)991000000000338423 100 $a20140929d2004 uy 0 101 0 $aeng 135 $aur|n|---||||| 181 $ctxt 182 $cc 183 $acr 200 10$aBanks, consumers and regulation $fPeter Cartwright 205 $a1st ed. 210 1$aOxford $aPortland, Oregon $cHart Publishing $d2004. 215 $a1 online resource (266 p.) 300 $aDescription based upon print version of record. 311 $a1-84113-483-X 320 $aIncludes bibliographical references and index 327 $a1 Banks, Consumers and Regulation: An Introduction -- 2 Banking Regulation: Rationales and Objectives -- 3 Disclosure, Information and Education -- 4 Authorisation and Continued Supervision -- 5 Self-Regulation and the Banking Code -- 6 Complaints and Redress -- 7 Financial Compensation and Deposit Protection -- 8 Access to Banking Services -- 9 Conclusions 330 8 $aRecent developments in law, public policy, and regulation have ensured that questions regarding the relationship between banks and their customers have seldom been out of the spotlight. This important book provides a timely, original, and critical examination of the role of the law in regulating banks in the interests of the consumer. The work examines the social and economic rationales for, and the objectives of banking regulation. In so doing, it focuses on the crucial role of regulation in the protection of the consumer. The book then provides a critical appraisal of the principal techniques by which regulation is delivered and protection ensured. Such techniques include prior approval by licensing, continued supervision, and information remedies such as disclosure. The work also looks at how the law protects depositors of insolvent banks through financial compensation schemes, and how it provides consumer redress through mechanisms for ensuring access to justice, in particular ombudsmen. Finally, the book looks at the topical question of consumer access to banking services, and considers the extent to which the law can justify placing social obligations on banks in the consumer interest. This is the first monograph to examine these important topics in this way 606 $aBanking law$zEngland 606 $2Financial services law & regulation 606 $aConsumer protection$xLaw and legislation$zEngland 615 0$aBanking law 615 0$aConsumer protection$xLaw and legislation 676 $a346.41082 700 $aCartwright$b Peter$f1968-$01561249 801 0$bUtOrBLW 801 1$bUtOrBLW 801 2$bUkLoBP 906 $aBOOK 912 $a9910784284903321 996 $aBanks, consumers and regulation$93827807 997 $aUNINA