“An estimated 16.6 million people, representing 7 percent of all persons age 16 or older in the United States, experienced at least one incident of identity theft in 2012, the Justice Department’s Bureau of Justice Statistics (BJS) announced today – in Victims of Identity Theft, 2012 (NCJ 243779), written by BJS statisticians Erika Harrell and Lynn Langton.… Continue Reading
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Author Archives: Sabrina I. Pacifici
Escaping Entity-Centrism in Financial Services Regulation
Escaping Entity-Centrism in Financial Services Regulation – Anita K. Krug. Columbia Law Review. VOL. 113 DECEMBER 2013 NO. 8 Anita K. Krug ‘In the ongoing discussions about financial services regulation, one critically important topic has not been recognized, let alone addressed. That topic is what this Article calls the “entity-centrism” of financial services regulation. Laws and rules are entity-centric… Continue Reading
Regulating Ex Post: How Law Can Address the Inevitability of Financial Failure
Regulating Ex Post: How Law Can Address the Inevitability of Financial Failure – Iman Anabtawi & Steven L. Schwarcz, Texas Law Review Vol. 92:75 “Unlike many other areas of regulation, financial regulation operates in the context of a complex interdependent system. The interconnections among firms, markets, and legal rules have implications for financial regulatory policy, especially the choice between… Continue Reading
How to Modernize and Improve the System of Insurance Regulation in the United States
How to Modernize and Improve the System of Insurance Regulation in the United States “The U.S. Department of the Treasury’s Federal Insurance Office (FIO) today submitted to Congress and released a report on how to modernize and improve the system of insurance regulation in the United States. Given the significance of the insurance sector in… Continue Reading
Agency MBS Transaction Summary
“On September 13, 2012, the Federal Open Market Committee (FOMC) directed the Open Market Trading Desk (the Desk) at the Federal Reserve Bank of New York to begin purchasing additional agency MBS at a pace of $40 billion per month. The FOMC also directed the Desk to maintain its existing policy of reinvesting principal payments… Continue Reading
Pew – What happens to your digital life after death?
What happens to your digital life after you die? by Maeve Duggan – “It’s a question not many consider given how embedded the internet is in their lives. The typical web user has 25 online accounts, ranging from email to social media profiles and bank accounts, according to a 2007 study from Microsoft. But families, companies and legislators are… Continue Reading
President’s Bioethics Commission Releases Report on Incidental Findings
“Researchers conduct a memory study, scan a participant’s brain, and find more than they bargain for: a tumor. What do the researchers owe the participant? What does the participant want to know? This is an increasingly common scenario for practitioners across contexts and for recipients of unexpected results that can be discovered through a variety… Continue Reading
How Americans Value Public Libraries in Their Communities
54% of Americans have used a public library in the past year, and 72% live in a “library household.” Most say libraries are very important to their communities. Kathryn Zickuhr, Lee Rainie, Kristen Purcell and Maeve Duggan: “Americans strongly value the role of public libraries in their communities, both for providing access to materials and resources and for promoting literacy… Continue Reading
Pew – On Pay Gap, Millennial Women Near Parity – For Now
Despite Gains, Many See Roadblocks Ahead: “A new cohort of young women—members of the so-called Millennial generation—has been entering the workforce for the past decade. At the starting line of their careers, they are better educated than their mothers and grandmothers had been—or than their young male counterparts are now. But when they look ahead, they… Continue Reading
Customer Service, Closing the Gap Between Citizens and Officials
“Customer service in government is undergoing a transformation as technology and social media make it increasingly possible for citizens and government officials to engage with each other around the clock. GovLoop’s latest Agency of the Future guide walks you through this transformation, highlighting the customer service trends of today and the direction of customer service in government… Continue Reading
Fall 2013 Fiscal Survey of States
Fall 2013 Fiscal Survey of States – National Association of State Budget Officers: “State fiscal conditions are modestly improving in fiscal 2014 with spending and revenues projected to rise above fiscal 2013 levels. Signs of fiscal distress continue to subside, and most states expect revenue and spending growth in fiscal 2014. Tax collections outperformed projections in fiscal… Continue Reading
OECD’s Pisa Rankings and the EBRD Region
The EBRD region improved its score in the latest PISA education rankings but there is still a substantial gap between it and the OECD average, by Sung-Ah Kyun and Alexander Plekhanov: “Every three years, the OECD Programme for International Student Assessment (PISA) conducts knowledge tests among 15-year old secondary school students in all the OECD and a… Continue Reading
