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Journal Article
A legal analysis of a banking industry online identity and attribute authentication service for consumers and merchants
This is a legal and risk analysis of an online identity and attribute authentication service developed by the Financial Agent Source Transaction (FAST) initiative of the Financial Service Technology Consortium (FSTC). The FSTC is a not-for-profit group organized to enhance the competitiveness of the financial services industry. Members include banks, financial services providers, research laboratories, universities, technology companies and government agencies. FSTC sponsors project-oriented, collaborative research and development on inter-bank technical projects affecting the financial ...
Journal Article
Achieving the objectives of regulatory restructuring
Gary Stern proposes achieving the objectives of regulatory restructuring without going through the process itself.
Journal Article
The economics of financial privacy : to opt out or to opt in?
Speech
Random refereeing: how uncertainty hinders economic growth (with reference to lucky puppies, pepper...and salt, Lawrence Summers and Thomas Jefferson)
Remarks before the Greater San Antonio Chamber of Commerce, San Antonio, Texas, July 29, 2010 ; "In whatever realm and whatever form, excessive uncertainty is the enemy of economic growth. As Ben Bernanke wrote in 1980, the 'resolution of uncertainty' can lead to '[a business] investment boom.' It follows, then, that if and as regulators and legislators provide more clarity, a major roadblock to economic growth will be removed."