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Showing 41 to 50 of 180 search results for Occasional Papers contribute to the work of the FCA.
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Occasional paper No.40: Time to act: A field experiment on overdraft alerts
As part of the high-cost credit review, the FCA wanted to understand the impact of automatically enrolling customers into just-in-time arranged overdraft alerts and early warning alerts for overdrafts and unpaid items. -
Occasional Paper No. 36: Sending out an SMS: The impact of automatically enrolling consumers into overdraft alerts
As part of the high-cost credit review, the FCA wanted to understand the impact of auto enrolling customers into overdraft and unpaid item (retry) alerts on customer overdrafting behaviour. -
Occasional Paper No. 16: Are high-frequency traders anticipating the order flow? Cross-venue evidence from the UK market
Occasional Papers contribute to the work of the FCA by providing rigorous research results and stimulating debate. ... To the extent that Occasional Papers contain any errors or omissions, they should be attributed to the individual authors, rather than -
Occasional Paper No. 41: Price discrimination in the cash savings market: One rate, one solution?
The Cash Savings Market Study found that the cash savings market is not working effectively for many consumers. Significant amounts of easy access cash savings sit in accounts that were opened a long time ago, earning lower interest rates than those -
Occasional Paper No. 52: Bond liquidity and dealer inventories
Liquidity in global bond markets is a key concern following the financial crisis. Can utilising data across jurisdictions shed some light? -
Occasional Paper No. 49: Borrower subgroups and the path into distress: commonalities and differences
Occasional Paper 49 -
Occasional Paper No. 51: Using online experiments for behaviourally informed consumer policy
Consumer policy is informed by human behaviour but how do we measure this in a cost effective and relevant way? Online experiments help us focus our policy making decisions to act in consumers interests. -
Occasional Paper No. 59: Sitting on a gold mine: Getting what’s owed to pawnbroking customers
In 2018, the FCA found that pawnbroking customers are not always collecting the ‘surplus’ money owed to them. In this paper, we share the results of a first intervention designed to address this. -
Occasional Paper No. 53: Changes in the mortgage market post 4.5 limit on loan to income ratios
Lenders have been encouraged to restrict the number of mortgages they issue with high LTI ratios following concerns over excessive and unsustainable borrowing for consumers. How has this affected allocation of mortgages and their prices? -
The Economics of Intervention
To this end, the FCA is starting to make practical use of EFER, most notably in its competition work on market studies. ... Their use will largely depend on how much economic inputs can contribute to the decision.