Banking egulation
Captain -- You Do See That Blinking Light, Don't You?

An apocryphal story about an unnamed navy captain goes like this. The ship in question is sailing at a not insignificant clip on a very overcast night close to shore in preparation for docking. A number of sailors who are above deck see a blinking light in the distance that clearly -- to them -- appears to be a lighthouse. The captain, however, gives no orders either to slow or turn the boat. Each of the sailors thinks that perhaps he should ask the captain if he does indeed see what is becoming with each passing minute ever more clearly the lighthouse. But each in turn says to himself: "He's the captain. He must see the light. He'll make sure that we don't run aground." And then there is the terrible sound of the bow of the ship being shredded…...

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References

Amy, D. (2007). Government is good.  http://governmentisgood.com/articles.php?aid=15&print=1 .

Davidoff, S. (June 11, 2010). The Government's Elite and Regulatory Capture. The New York Times.

Frank, T. (June 24, 2010). Obama and 'Regulatory Capture'. The Wall Street Journal.

Levin, C. (2011). Wall Street and the Financial Collapse.

Banking Fees and Morality
Integrating Values:

The Legal, Moral, and Social Responsibility of the Government, the Banks, and the Consumers

Legal Section

Statement of Relevant Legal Principles and Rules of Law

Application of Law to Topic and Legal Analysis

Ethics Section

Utilitarian Ethical Analysis

Kantian Ethical Analysis

Additional Ethical Analysis

Social Responsibility Section

Introduction to B. Definition of term "Social Responsibility"

Application of Social Responsibility

Banking fees in one form or another have existed in the United States hundreds of years, however the degree of regulation on the bank fees has varied over time. Regardless of whether banking fees are being regulated liberally or conservatively, legal, ethical, and social responsibility questions arise. This three value approach assists in analyzing which of the three parties -- the government, the banks, or the consumers -- owe which duty regarding the functionality of the banking fee system. Arguably, all three parties owe a duty to the system. The legal duty owed is one in which the…...

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Works Cited

The American Heritage Dictionary, 3rd Ed. (1993). Boston Massachusetts: Houghton Mifflin

Company.

Cavico, Frank J. And Mujtaba, B.G. (2010). Business ethics: The moral foundation of effective leadership, management, and entrepreneurship, 2nd Ed. Boston, Massachusetts:

Pearson Custom Publishing.

Published out of Ohio State University, the journal is dedicated to "reporting major findings in the study of monetary and fiscal policy, credit markets, money and banking, portfolio management, and related subjects" (Cato 1996). The breadth of this journal's coverage ensures its continued relevance, and not only the wide readership but the large number of submissions the journal receives -- which allows its editors to choose carefully from among them -- adds to the reliability of this journal (Cato 1996).
The level of academic scholarship evident in the articles that make up a standard issue of the Journal of Money, Credit, and Banking is also evidence of the source's authority and reliability. Historical trends as well as theoretical prognoses appear with equal regularity, as do explanations and examinations of policy and regulation changes. The scope of this journal does more than simply ensure its relevance; it also evidences the wide…...

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Works Cited

Cato Institute. "Review: Journal of Money, Credit, and Banking." 1996. Cato Institute Official Website. Accessed 24 September 2009.  http://www.cato.org/pubs/journal/cj16n3/cj16n3-11.pdf 

Feig, Nancy and Bruno-Britz, Maria. "Shaping the Future: Some Notable Industry Movers and Shakers with Opportunities to Make a Difference in the Banking Technology World." Bank Systems and Technology, 1 December 2007.

JMUL. "Business Source Complete (EBSCO)." James Madison University Library. Accessed 24 September 2009.  http://www.lib.jmu.edu/resources/more.aspx?id=1629&s=1 

Langfit, Frank. "Economist' Magazine Wins American Readers." National Public Radio: Morning Edition, 8 March 2006. Text version accessed 24 September 2009.  http://www.npr.org/templates/story/story.php?storyId=5250996

This indicates that the Australian system has sufficient regulatory oversight to keep high-risk obligations to a minimum.
Despite being well-positioned from the outset, Australian banks remain saddled with some toxic assets (worthless MBSs and securities backed by insolvent financial institutions). Moreover, they found themselves at a competitive disadvantage. hen foreign banks received government backing, their credit rating improved to the level of government securities. This resulted in a disadvantage to Australian banks. Thus, they petitioned for government assistance in order to remain globally competitive (Grubel & Bathgate, 2008).

The financial crisis of the early 1990s instilled strong risk management principles in Australia's banks, which has led to their insulation. Nevertheless, faced with exposure to bad assets, the banks have been forced to cut costs in order to better weather the storm. It is estimated that the banking sector will shed around 10,000 jobs this year (Insead, 2008). Other cost-cutting measures are…...

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Works Cited:

Knowledge @ Wharton: Subprime Crisis website. Retrieved April 28, 2009 from  http://knowledge.wharton.upenn.edu/special_sections/subprime/ 

Johnston, Eric. (2008). Australia hit as Crisis Grows. The Age. Retrieved April 28, 2009 fromhttp://business.theage.com.au/business/australia-hit-as-crisis-grows-20080916-4hy6.html

Leslie, Tim. (2009). Australia to emerge from crisis 'stronger than before'. ABC News. Retrieved April 28, 2009 from  http://www.abc.net.au/news/stories/2009/03/29/2529118.htm 

No author. (2008). Canada rated world's soundest banking system. Reuters. Retrieved April 28, 2009 from  http://www.reuters.com/article/ousiv/idUSTRE4981X220081009

Banking Sample
The banking industry, over the last decade has undergone significant change. Industry regulation such as Dodd-Frank, Basel 3, and international capital requirements have now made the industry safer and more transparent. However, due primarily to the crisis of 2008, some banks are more stable than others. In many instance, due to unethical practices of the past, many banks are now suffering as they struggle to attract market share and consumer acceptance.

To begin, let's start by dispelling many myths associated with Bank of America. First, the bank did not single-handedly start the financial crisis as many pundits believe. They much like many of the other large banks did have a part in the crisis. However, they were not the sole owners of the problems that resulted from it. This is an important distinction as Bank of America's market valuation and profitability have been significantly effected by perception rather than reality.…...

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References:

1) Hector, Gary (1988). Breaking the Bank: The Decline of BankAmerica. Boston: Little, Brown. ISBN 0-316-35392-2.

2) Johnston, Moira (1990). Roller Coaster: The Bank of America and the Future of American Banking. New York: Ticknor & Fields

3) Author Unknown. (2008). Subprime Crisis: A Timeline. (online). Available:   (April 23, 2011)http://money.cnn.com/2008/09/15/news/economy/subprime_timeline/index.htm 

4) Eads, Jim. Mobile Banking ROI Tips from Bank of America." Mobile Manifesto. Web. 05 May 2011. .

Banking Budget Analysis
Opportunity Bank Budget Analysis

Opportunity Bank is a convenient store for other professional banks. Essentially, it takes the stance that all people reserve the right to bank as they please and deserve an opportunity to do. This then provides them a greater sense of opportunity for each and every individual that walks in the doors. Opportunity Bank helps provide credit to those most in need, and thus believes that credit is a human right. This then provides the sensibility needed for Opportunity Bank to provide the benefits it does to its customers, including unbiased financing and the additionally benefits provided to the customer's family. Yet, opening a bank is a costly endeavor. In fact, research shows that it could amount around to $2 million within the first three years of the banks operations (Bancology 2013 1). Thus, planning carefully for costs is essential for the success of the bank…...

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Works Cited

Bancology. "Average Branch Costs Now Exceed 2m." The Art of Bank Planning. Vol. 18. 2006. Web.  http://www.bancography.com/downloads/Bancology0306.pdf 

Bancology. "Smaller Branch Models Taking Hold as Traditional Branch Costs Remain Near $2M." Bancrography. Vol. 47. 2013. Web.  http://www.bancography.com/downloads/Bancology0713.pdf 

Capital Corp Merchant Banking. "Project Financing and Tailored Funding Solutions in One Firm." Funding. 2013. Web.  http://www.capitalcorpmerchantbanking.com/home.html 

C-Metrix Solutions. "Branch Marketing Solutions for Banks." Sigillum Corporation. 2009. Web.  http://www.c-metrix.com/C-Metrix%20Branch%20Mktg%20Banking.pdf

Banking
Would the challenges when an insurance firm acquires an investment bank be the same as the challenges encountered in melding organizations when a commercial bank acquires an investment bank? Why? Give sample of successful merging and acquisition of each case. Give any global economic event or any international banking event that relate to the case.

Commercial banks have an extraordinarily difficult time when trying to merge investment banks to their enterprise. In fact, some observers state that mergence is impossible since they share different cultures.

With the repeal of the Glass-Stiegel Act in 1999, security banks and investment companies were allowed to purchase banks. However, mergence of commercial banks with investment banks have stymied expected synergy.

his may be due to the fact that investment banks are relatively good at risk tolerance for the main reason that they are not financial intermediaries in that they take out and distribute deposits. hey help institutions…...

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They Just Do Not Mix

http://econc10.bu.edu/Ec341_money/Papers/LaRoche_paper.htm

Macey JR (2002). INTEGRATION OF FINANCIAL SERVICES AIDA XI World Congress www.aida.org.uk/worldcongress02/theme2_generalreport.doc

Final rules will determine the effective date. In response to a request by ABA and other trade associations, on November 24, 2004, the banking agencies and the Federal Trade Commission wrote that institutions do not have to comply with those FACTA provisions which must be implemented by rulemaking until after adoption of final rules. Those provisions include those related to: risk-based pricing notices; affiliate marketing; medical information sharing; red flag guidelines and regulations; notice of opt out from prescreened solicitations; disposal of consumer report information; accuracy and integrity guidelines and regulations; ability of consumer to dispute information with furnisher); and reconciling addresses.
Credit scores

The FACTA requires mortgage lenders to provide credit scores along with other information to mortgage loan applicants. The credit score and other information must be provided when a credit score is used for an application for a consumer loan that is secured by one to four units…...

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References

DeLargy, K.P. (2004, June 15). Federal Reserve System, 12 CFR Part 222 (Regulation V; Docket No. R-1187), Fair Credit Reporting Act: Final rule. Federal Register, 69(114), 33,281.

Feddis, N.E. (2005), Fact is, FACTA is fractious: One act, many players, many regs, and sometimes no regs. FACTA isn't for the faint-hearted in compliance. ABA Banking Journal, 97(1), 57.

Interagency advance notice of proposed rulemaking: Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies under section 312 of the Fair and Accurate Credit Transactions Act. (2006). Office of the Comptroller of the Currency, Treasury (OCC); Board of Governors of the Federal Reserve System (Board); Federal Deposit Insurance Corporation (FDIC); Office of Thrift Supervision, Treasury (OTS); National Credit Union Administration (NCUA); and Federal Trade Commission (FTC). [Online]. Available:  http://www.federalreserve.gov/newsevents/press/bcreg/bcreg20060322a1.pdf .

Royal, L.E. (2004, June). Fair credit reporting act tweaked by Congress: Legislation gets a new name and a facelift. Black Enterprise, 34(11), 318.

From the rudimentary and often primitive approaches to dial-up banking in the 1980s and 1990s to the 24/7 rapid access of Internet banking accessible to customers from anywhere in the world in 2009, there continues to be a revolution of convenience solidly anchored in security taking hold (Wang, Wang, Lin, Tang, 2003). All of these benefits are also dominated by the fact that many banks now have guided selling systems online (Beasty, 2006) that make it possible for consumers and businesses to design their own unique financial services programs and made-to-order programs. Banking is entering a new era of personalization and exceptional security as more and more services once entirely completed in branches are now completed online. The concept of "cloud" computing or the development of Software-as-a-Service has made these services available on a 24/7 basis as many banks turn to this platform for hosting services (Orr, 2008). The…...

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References

Colin Beasty. (2006, September). RE: TOOLING. Customer Relationship Management, 10(9), 46.

Srinivasa Katuri & Monica Lam. (2007). Switching customers from branches to internet: A credit union's journey. Journal of Financial Services Marketing, 11(3), 229-248.

James L. McKenney, Richard O. Mason, & Duncan G. Copeland. (1997). Bank of America: The crest and trough of technological leadership. MIS Quarterly,

21(3), 321-353.

Banking and Finance Law
Are Customers Rights Really Protected?

For many of us, dealing with our banks is a daily occurance. With today's technology, most of us use money access machines and online banking as comfortably as we use our television sets our automobiles. But is our money truly protected? Most of us would say, without a doubt, that it was protected. In fact, most of us have not had major problems when it comes to dealing with our accounts. But, how does the undue influence that our financial institutions have over us shape how we invest our money? In 1996, a woman in London was awarded nearly 80,000 pounds after she and her boyfriend were given bad advice on a property deal by Lloyds Bank. ("Lloyds' Blunder Cost Woman Pounds 10,000 Pay") This is just one story in a string of stories of how banks use their influence to sway our…...

Banking Industry and Customer Researc
Given te competitive atmospere in banking and te need to interest and retain clients, banks rely strongly on client's satisfaction and customer loyalty. Tis is particularly so given today's slowing industry growt and tremendous pressure to maintain and old onto one's business. Traditional banks also today face competition from online banks tat can afford to offer customers attractive deposit products at low rates and tat provide attractive interest rates. Aside from tat, traditional banks face competition, too, from non-banks, suc as a Wal-Mart, tat open banks witin teir stores. For all tese reasons and more, te reputation and success of traditional banks directly inges on te extent to wic tey manage to retain teir client's services and please im to te extent tat e will refer oters to te bank. Te better ten tat te bank knows teir individual clients and factors tat tey seek from…...

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http://jimsheng.hubpages.com/hub/HSBC-the-Hong-Kong-and-Shanghai-Banking-Corporation 

Xerox: How do you talk to your customers?

 http://www.connexsystems.com/how_do_you_talk_your_customers_customer_centric_approach_communications_financial_services_companie_0

Banking Industry
Bank of America Corporation Analysis

The Bank of America-Financial and Competitive Analysis

Background of the Bank of America

The Bank of America Corporation (BAC) is a Public Company that provides multinational banking services and other specified financial services. The bank was conceptualized in 1998, with its headquarters in North Carolina; U.S.A. according to asset valuation, the company comes second in the States, and serves over 100 states. The corporation also has many relations and partners with other multinational and local companies in the U.S. The international company was ranked fifth in the United States, after total revenue assessment for big corporations in the U.S. It is also the third largest organization in the entire globe. With tough competition from Wells Fargo and Citigroup, Bank of America still Manages to hold 12% of the bank accounts in America. For BAC, the main services and products include consumer banking services, credit cards, corporate banking…...

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References

Bank of America, (2012). United States Commercial Banking. Company Profiles, 1, 36-51.

Goldsmith, M. & Carter, L. (2009). Best Practices in Talent Management: How the World's Leading Corporations Manage, Develop and Retain Top Talent. Hoboken, NJ: John Wiley and Sons.

International Business Times. (2012). Pre-Market Movers (Coca Cola, Bank of America, Dean Foods, General Electric, Citigroup, JP Morgan Chase and Facebook). Regional Business News, 2012.

Larson, P. & Ganesh, R. (2007). Bank of America (BAC). MorningStar StockInvestor, 7(1), 24-25.

Earning flatness does not suggest that banks are taking on undue risk. Certainly a category such as realized securities gains or losses should have made a dramatic change if there was increased risk (volatility) in the banking system. Provisioning expenses were reduced at all banks, which can either be seen as risky behavior or a reflection of higher quality credit portfolios. The reduction in expenses is cited in the report as one of the risks, as banks seek better efficiency but take on more risk to achieve it. Another potentially risky revenue stream comes from trading. Trading income increased but the report notes that the European economic issues have reduced the risk appetite of many banks, again refuting the idea that banks are taking on excess risk in search of higher profits. The one big example at J.P. Morgan of excess risk-taking (Henry & Viswanatha, 2012) does not appear…...

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Works Cited

Henry, D. & Viswanatha, a. (2012). U.S. investigates whether JP Morgan traders hid losses. Reuters. Retrieved November 29, 2012 from  http://www.reuters.com/article/2012/07/13/us-jpmorgan-earnings-idUSBRE86C0G420120713 

OCC. (2012). Semiannual risk perspective. U.S. Department of the Treasury. Retrieved November 29, 2012 from  http://www.occ.gov/publications/publications-by-type/other-publications-reports/semiannual-risk-perspective/semiannual-risk-perspective-spring-2012.pdf

9).
Not only does the banking concept of education create and maintain an opposition between teacher and student; it also assumes a distinction between human consciousness and external reality. Freire suggests that the practice of "filling" students with knowledge implies that all experience and external phenomena "enter" humans in the same manner, though the idea that data and other intellectual products can "enter" a mind does not necessarily mean that other phenomena reside "in" a person in the same way.

Freire wraps up his argument by claiming that the banking method of teaching

"serves to obviate thinking" (para.14). He does not consider the possibility that thinking on the part of the student can happen naturally, even if not instigated by the teacher. Instead, he insists that "authentic thinking…does not take place in ivory tower isolation, but only in communication" (para.16). While it is true that his banking system of education does not promote…...

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References

Freire, Paolo. "The Banking Concept of Education." Pedagogy of the Oppressed. Trans. Myra Bergman Ramos. New York: Continuum, 1993. Print.

Such a strategy allows banks to reduce the cost associated with paper check conversion (Bruno, 2002). In addition this strategy reduces the number of fraudulent checks that are written (Bruno, 2002). The author also insist that this strategy may lull some customers into actually using debit cards or check cards at the point of sale, as opposed to using traditional checks (Bruno, 2002).
Indeed automation will be an important part of banking well into the future. An article found in Community Banker asserts that automation is key because it allows for the electronic transmission of checks. In addition, many banks are using automation for electronic signatures which will allow for loans and other financial services to be implemented over the internet. According to the author this automation also improves workflow and performance because it is more streamline and therefore less confusing.

The article contends that the aim of this automation is…...

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References

Automation is the Answer at T. Bank," 2005. Community Banker

Bowman M.A. Exploring Domestic Mail RatesMekel's & Stamps Magazine

Bruno, M. 2002. Banks Bent on Plastic over Paper. U.S. BAnker

Chakravorti, S., & Mchugh, T. (2002). Why Do We Use So Many Checks?. Economic Perspectives, 26(3), 44+.

1. The ethical implications of artificial intelligence in society
2. The impact of artificial intelligence on job markets and employment
3. The potential benefits and risks of autonomous artificial intelligence
4. The role of artificial intelligence in healthcare and medicine
5. The use of artificial intelligence in law enforcement and surveillance
6. The development of artificial general intelligence (AGI) and its implications
7. The impact of artificial intelligence on privacy and data security
8. The potential for bias and discrimination in AI algorithms
9. The future of artificial intelligence in education and learning
10. The integration of artificial intelligence in social media and online platforms.
11. The role of artificial....

1. The Dark Side of Business: Unethical Practices in the Corporate World

2. The Ethics of Exploitation: Uncovering Unethical Practices in the Modern Workplace

3. Unmasking Unethical Behavior: A Closer Look at Fraud and Corruption in Business

4. Ethics vs. Profit: The Impact of Unethical Practices on Companies and Society

5. Whistleblowing on Unethical Practices: Exposing Wrongdoings for the Greater Good

6. The Slippery Slope of Unethical Behavior: How Small Transgressions Can Lead to Larger Issues

7. The Role of Ethics in the Digital Age: Addressing Unethical Practices in Technology

8. From Enron to Volkswagen: Case Studies of Unethical Practices and Their Consequences

9. Unethical Practices in Healthcare:....

Original Thesis Statement:

Benefits of Technology in All Fields

Revised Thesis Statement:

Technology's Ubiquitous Impact: Transforming Industries and Empowering Human Endeavors

Technology's pervasive influence has revolutionized all fields, offering unparalleled benefits that enhance our lives, drive innovation, and improve societal well-being. Its transformative effects are evident in every aspect of modern society, from healthcare to education, business to entertainment, and beyond.

Empowerment through Automation and Efficiency:

Technology has automated countless tasks, freeing up human time and resources for more complex and meaningful endeavors. From automated manufacturing and data processing to virtual assistants and self-driving cars, technology has significantly reduced the burden of manual labor and increased....

1. The impact of supply and demand on interest rates in HSBC Bank
2. The role of elasticity in determining pricing strategies in HSBC Bank
3. The concept of opportunity cost in investment decisions at HSBC Bank
4. The influence of market structure on competition and pricing in HSBC Bank
5. The effects of government regulation on the banking industry and HSBC Bank specifically
6. The relationship between marginal utility and consumer behavior in the banking sector, with a focus on HSBC Bank
7. The concept of economies of scale and how it applies to HSBC Bank's operations and growth strategies
8. The principles of cost-benefit analysis....