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Keywords:Law and legislation 

Journal Article
Old favorites and new initiatives

Implications of the 2008 farm bill for the Ninth District
Fedgazette , Volume 20 , Issue Sep , Pages 13-15

Journal Article
Policy update : Tribes seek Uncle Sam's seal of approval

Related links: https://www.richmondfed.org/-/media/richmondfedorg/publications/research/econ_focus/2011/q4/policy_update_weblinks.cfm
Econ Focus , Volume 15 , Issue 4Q , Pages 7

Journal Article
Federal and state laws on consumer financial services: the doctrine of preemption

Federal Reserve Bulletin , Issue Nov

Working Paper
Did bankruptcy reform cause mortgage default rates to rise?

This paper argues that the U.S. bankruptcy reform of 2005 played an important role in the mortgage crisis and the current recession. When debtors file for bankruptcy, credit card debt and other types of debt are discharged - thus loosening debtors' budget constraints. Homeowners in financial distress can therefore use bankruptcy to avoid losing their homes, since filing allows them to shift funds from paying other debts to paying their mortgages. But a major reform of U.S. bankruptcy law in 2005 raised the cost of filing and reduced the amount of debt that is discharged. The authors argue ...
Working Papers , Paper 10-16

Discussion Paper
The Credit CARD act of 2009 and prepaid cards

Recently enacted federal legislation contains a number of provisions that will affect the prepaid card industry. This note highlights some of these provisions, discusses how they might shape the prepaid card industry, and outlines the debate over whether prepaid cards should be defined as "monetary instruments" under federal law.
Consumer Finance Institute discussion papers , Paper 09-03

Speech
Lessons of the crisis: the implications for regulatory reform

Remarks at the Partnership for New York City Discussion, New York City.
Speech , Paper 10

Speech
Plosser defines key issues in financial reform : remarks to the Joint Economic Committee Staff Meeting, U.S. Congress, May 5, 2010.

In remarks at a meeting of the Joint Economic Committee, President Charles I. Plosser discussed the importance of implementing regulatory changes that would help to avert financial crises in the future.
Speech , Paper 38

Speech
The U.S. financial system: where we have been, where we are and where we need to go

Remarks at the Reserve Bank of Australia's 50th Anniversary Symposium, Sydney, Australia.
Speech , Paper 12

Working Paper
Demand externalitites and price cap regulation: Learning from a two-sided market

This paper studies unintended consequences of price cap regulation in the presence of demand externalities in the context of payment cards. The recent U.S. debit card regulation was intended to lower merchant card acceptance costs by capping the maximum interchange fee. However, small-ticket merchants found their fees instead higher after the regulation. To address this puzzle, I construct a two-sided market model and show that card demand externalities across merchant sectors rationalize card networks? pricing response. Based on the model, I study socially optimal card fees and an ...
Working Paper , Paper 13-06

Journal Article
Policy update: New laws protect social media privacy

Related links:https://www.richmondfed.org/-/media/richmondfedorg/publications/research/econ_focus/2012/q4/policy_update_weblinks.cfm
Econ Focus , Volume 16 , Issue 4Q , Pages 9

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