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Authoritative coverage provides a foundation for understanding core concepts and recent developments in banking and financial institutions law. This Nutshell title covers subjects such as the history and structure of the financial services industry and its regulators, the interrelationship between banking law and monetary and economic policy, the regulation of banking itself (including market regulation, international banking, and thrift institutions), securities regulation, insurance regulation, and pension funds, retirement accounts and social security. The book concludes with an analysis of emerging issues in the law of financial intermediaries, including the need for harmonized rules in an increasingly transnational market, the impact of digital currencies and transactions on regulatory policy, and the threat that international crises pose for stable banking and financial markets.

We've never done anything big in this country without little banks. Yet the number of community banks in the US has been steadily declining for decades, giving way to big banks that have little connection to the communities they claim to serve. The massive, unprecedented shift toward such a highly concentrated banking sector has weakened our ability to take action at a community level and leaves many people, especially those who have been historically marginalized, without access to capital.   In The Banks We Deserve, journalist Oscar Perry Abello argues that community banking has a crucial role to play in addressing urgent social challenges, from creating a more racially just economy to preparing for a changing climate. At their best, community banks unleash the agency and aspirations of the communities that establish them. Abello challenges people working on racial justice, community development, or addressing climate change to start more community banks or credit unions as part of their work, while also calling for policies and regulatory reforms that will help tilt the landscape back in favor of community banking. The Banks We Deserve tells the stories of new community banks -- like Adelphi Bank, in Columbus, Ohio, the first new Black bank in 20 years; or Walden Mutual Bank in Concord, New Hampshire, the first new mutual bank since 1973 and the first chartered specifically to finance a more sustainable food system; or Climate First Bank, in St. Petersburg, Florida, which has grown exponentially since opening for business in 2021. He hopes these stories inspire others to take some of these same daunting-but-not-impossible steps. For a community or industry that is being ignored by big banks, the idea of starting up a new bank or credit union rarely figures as an option. In The Banks We Deserve, Abello shows advocates, organizers, and innovators that it can be done, that it is being done, and describes a path to support more community banks and credit unions.  

A Wall Street Journal, Financial Times, and Bloomberg Businessweek Book of the Year Why our banking system is broken--and what we must do to fix it New bank failures have been a rude awakening for everyone who believed that the banking industry was reformed after the Global Financial Crisis--and that we'd never again have to choose between massive bailouts and financial havoc. The Bankers' New Clothes uncovers just how little things have changed--and why banks are still so dangerous. Writing in clear language that anyone can understand, Anat Admati and Martin Hellwig debunk the false and misleading claims of bankers, regulators, politicians, academics, and others who oppose effective reform, and they explain how the banking system can be made safer and healthier. Thoroughly updated for a world where bank failures have made a dramatic return, this acclaimed and important book now features a new preface and four new chapters that expose the shortcomings of current policies and reveal how the dominance of banking even presents dangers to the rule of law and democracy itself.

Named Amazon Editor's Pick and one of the Best Books of the Month for August 2024.  A riveting true story of an unsuspecting woman who creates an ingeniously clever white-collar scheme that manipulates the Federal banking system out of millions--who eventually loses everything that is most important to her.   In Never Saw Me Coming, Tanya Smith shares her deeply personal and remarkable story of how she went from a precocious young girl to a money-grabbing, computer-savvy wiz. It starts out as a keen interest in technology and innocently acquiring phone numbers to Michael Jackson, as well as other celebrities, and moves to her successfully stealing and depositing $5,000 into her grandmother's banking account. By the time she is 18, the risk taker has confiscated millions in cash.   The FBI is hot on her tail and hauls her in for an interview, demanding Smith let them know who she's working for, "as these are not the kind of crimes Black people are smart enough to commit." Their words, indicating that intelligence was determined by race, severely offended Smith. Up for the challenge, she proves the FBI wrong and over time steals $40 million dollars, while securing diamonds, gold bars, and other commodities. Her lifestyle attracts the wrong kind of people, even those who set out to kill her.   Law enforcement persisted, ultimately dubbing Smith "one of the single biggest threats to the entire United States banking system." She receives an outrageous prison sentence--the longest for a white-collar offense--and is eventually released by mounting her own brilliant defense.   Complete with unexpected twists and turns, Never Saw Me Coming is a gripping caper that reminds never to underestimate a woman.    

NEW YORK TIMES BESTSELLER From TikTok star and Your (favorite) Rich BFF Vivian Tu, the definitive book on personal finance for a new generation When Vivian Tu started working on Wall Street fresh from undergrad, all she knew was that she was making more money than she had ever seen in her life. But it wasn't until she found a mentor of her own on the trading floor that she began to understand what wealthy people knew intuitively--the secrets to beating the proverbial financial game that has, for too long, been male, pale, and stale. Building on the lessons she learned on Wall Street about money and the markets, Vivian now offers her best personal finance tips and tricks to readers of all ages and demographics, so that anyone can get rich, whether you grew up knowing the rules to the game or not. Vivian will be your mentor, dispensing fresh, no-BS advice on how to think like a rich person and create smart money habits. Throughout the pages of Rich AF, Vivian will break down her best recommendations to help you: Maximize your earnings to get more out of your 9-to-5 Understand the differences between savings accounts, and where you should keep your money Identify the tax strategies and (legal) loopholes you need to retire in style Overcome investing fears to secure wealth for generations And much more! Rich AF will equip readers with the tools and knowledge to not only understand the financial landscape, but to build a financial strategy of their own. And with Your Rich BFF at your side, you'll be able to start your financial journey already in an affluent mindset, making the most of your money and growing your wealth for years to come.