by Dr. Andrew D. Schmulow
Paper presented at the 2015 Global Financial Consumer Forum (2015 Annual Conference of the IAFICO), Jeju National University, South Korea, 2015.
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by Dr. Andrew D. Schmulow
Paper presented at the 2016 Global Forum for Financial Consumers (2016 Annual Conference of the IAFICO), SungKyunKwan University, Seoul, South Korea, 2016.
This article provides an analysis of the Australian ‘Twin Peaks’ model of financial system regulation. It does so by examining the theoretical underpinnings of Twin Peaks, and investigates the crucial question of the jurisdictional location of the prudential regulator. This includes a description of how Twin Peaks functions and its strengths and weaknesses. The article argues that while Twin Peaks is the best solution to the problem of regulating for financial system stability and consumer protection, it is nonetheless imperfect to the task, and susceptible to failures.
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by Dr. Andrew D. Schmulow
Paper presented at the ACCI 2017 Annual Conference, Consumer Interests Annual, edited by Sheri Lokken Worthy, published by American Council on Consumer Interests, 2017, pp 1-24.
This paper provides a statement and an analysis of South Africa’s statutory provisions aimed at curbing reckless lending, and preventing predatory lending, to financial consumers. The focus of the paper is on the statutory mechanisms for combatting reckless and predatory lending, including a critique of the success or otherwise of the implementation of the relevant legislation. The paper aims to provide a comparative analysis of what is, overall, an innovative and effective regime, the aim of which is to protect vulnerable financial consumers from reckless and predatory lending practices. As such, it is hoped, that the paper will provide useful techniques for the protection of borrowers in other common law jurisdictions, such as Canada and the United States, or indeed wherever vulnerable consumers of finance are liable to be exploited.
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by Dr. Andrew D. Schmulow
Paper presented at the Policy Seminar for the Korea Insurance Society: Market Economy and Advanced Insurance System, 2019, pp 51-68.
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