Healthcare Providers Are Infecting Auto Insurers
It is well understood that the U.S. healthcare system is under tremendous pressure from all directions. Government fee reductions, declining private-sector program enrollments, provider and supplier...
View ArticleClearing: More Important Than Trading?
The Markets in Financial Instruments and amending Regulation (MiFIR) released on October 20, 2011 looks to introduce competition in the European derivatives space through open access to central...
View ArticleFIO Report to Congress: The Moment of Truth Approaches
The Federal Insurance Office (FIO) is busy finalizing its eagerly awaited report and recommendations on modernizing and improving insurance regulation, which — mandated by the 2010 Dodd-Frank Act — is...
View ArticleFIO Report to Congress: Does a Broken Deadline Portend a Broken Promise?
January 31, 2012 has come and gone, and the Federal Insurance Office (FIO) Report on insurance industry modernization — clearly mandated by Dodd-Frank to have been delivered to the U.S. Congress no...
View ArticleT2S, T+2, or (Even) T+0: Who Is Paying Attention?
There’s no doubt that the European Central Bank’s (ECB’s) Target2-Securities (T2S) planned single platform for settlement across Europe (well, not including settling in currencies like U.K. sterling or...
View ArticleSurcharging: The Political Battle
The long-fought battle over credit card swipe-fee price fixing may be coming to an end as a settlement was proposed in federal court on Friday, July 13, 2012. Visa and MasterCard have agreed to a...
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Fiscal Cliff – Doom or Boom for Prepaid Debit and Payroll Card Markets?
How quickly we forget that market-changing events always have winners and losers — the winners find new opportunities where they did not exist before, and the losers fail to adapt to change. The...
View ArticleMon Dieu: ADRs and the Court of Public Opinion
Many people seem to be up in arms over the new French tax on American Depository Receipts, or ADRs. The tax is actually on French equities transactions, but ADRs — certificates that represent foreign...
View ArticleTSYS to Acquire NetSpend: A New Prepaid King Is Crowned
As consolidation ratchets up in the prepaid market, one company is taking a fast track to outmaneuvering other market rivals: Payments solutions provider TSYS has agreed to acquire prepaid card...
View ArticleMarch Madness, Auto Finance Style: CFPB 1; Consumers, Lenders, and Auto...
Last week, the Consumer Financial Protection Bureau (CFPB), which regulates banks but is not allowed to regulate auto dealerships, delivered a plan to “fix” the unbroken indirect auto finance business...
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