Publications in: Finance

Study on the Functioning of the Consumer Credit Markets in the European Union – May 2014

Subsector:Consumer Finance
Published: 20 May, 2014
Document type:Report

The study assesses the degree to which Consumer Credit Directive (CCD) fulfilled its principal objectives, namely: a) fostering an internal credit market in the EU, with a positive impact, in particular on cross­border competition; and, b) providing a high level of protection of consumers regarding consumer credits. The study focuses on the impact of the […]

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Direct and Indirect Regulatory Costs Faced by UK Insurance Brokers – May 2014

Subsector:Financial markets and Institutions
Published: May, 2014
Document type:Report

The study for the British Insurance Brokers’ Association (BIBA) quantifies direct regulatory costs faced by insurance brokers in 23 different jurisdictions and shows that such costs are the highest the UK and that regulatory fees and levies in the UK are more than five times those in New York, Japan, France and Germany. The research […]

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Financial Conduct Authority Practical Use of Behavioural Experiments in Financial Regulation – March 2014

Subsector:Public Policy
Published: 25 March, 2014
Document type:

The Financial Conduct Authority finds that behavioural experiments have an important role to play in financial regulation, and often provide insights into the ways markets work that may not be possible otherwise. Download the paper on the practical application of behavioural experiments in financial regulation jointly authored by London Economics and the FCA.

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Consumer Protection Aspects of Financial Services

Subsector:Consumer Finance
Published: 10 February, 2014
Document type:Report

The financial crisis of 2007/2008 has clearly shown that inadequate consumer protection, especially in the US mortgage market, was a major contributor to financial instability. Moreover, many holders of sub-prime mortgages suffered considerable harm as a result of mis-selling or inappropriate selling. However, the USA is not the only country where weak consumer protection resulted […]

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New Specialist Sources of Capital for the Social Investment Market – April 2014

Subsector:Financial markets and Institutions
Published: 14 February, 2014
Document type:Report

This study, conducted jointly with The Social Investment Consultancy, examines potential sources of capital for the social investment market among eight previously under-researched institutional investor groups. It identifies two sets of opportunities for the UK’s growing investment market: –  risk finance capital to support UK social sector organisations, estimated at circa £500m; and –  a […]

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Analysis of Developments in the Fields of Direct Investment and M&A — Part I 2013 Developments in World-wide and EU Capital Flows

Subsector:Financial markets and Institutions
Published: December, 2013
Document type:Report

Part I of Analysis of developments in the fields of direct investment and M&A reviews developments in international capital flows (FDI, portfolio investment, other investments and reserves) world-wide and more particularly between EU Member States and the rest of the world and within the EU.

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Analysis of Developments in the Fields of Direct Investment and M&A — Part II: Foreign Firms’ Contributions to EU Economic Performance

Subsector:Financial markets and Institutions
Published: December, 2013
Document type:Report

Part II of Analysis of developments in the fields of direct investment and M&A considered the performance of foreign firms that are recipients of FDI.   Domestic firms far outweigh foreign-owned firms in the EU; however, the contributions of foreign-owned firms to economic performance are disproportionately high in terms of productivity, employment generation and the […]

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The Potential of Big Data – Can Patterns in Consumer Spending Predict Economic Sentiment?

Subsector:Financial markets and Institutions
Published: December, 2013
Document type:LE publication (working papers and economic briefs)

BBVA is the first banking institution to make Big Data on real trading activity publicly available. In particular, hourly credit card transaction data was provided for the cities of Madrid and Barcelona on a geographically granular basis for a period of six months toward the end of 2012 and beginning of 2013. London Economics used […]

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PSD I and PSD II

Subsector:Financial markets and Institutions
Published: October, 2013
Document type:Presentation

Presentation, Global Money Transfer Summit 2013, 29-30 October 2013.

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PSD II – Proposed Changes and Timetable

Subsector:Financial markets and Institutions
Published: September, 2013
Document type:Presentation

Presentation to UKMTA conference “International payment services – what are the opportunities and threats for business in a changing marketplace?”, 19 September 2013.

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