Weitere Kapitel dieses Buchs durch Wischen aufrufen
“Consumer financial education as a novel edu-regulatory technique” maps out academic literature on sociology of indicators, social studies of finance and legal scholarship on financial literacy education. Borrowing insights and observations from this literature, the chapter introduces two novel, conceptual frameworks that are used throughout the book to examine the financial education project. The concept of “edu-regulation” is developed to analyse and consider a distinct, legal regime designed in the UK to govern consumer behaviour and consumer markets through the use of information, education and advice. The concept of edu-regulation emerged as a result of careful and detailed scrutiny of different financial education programmes rolled out in the UK. It helps to theorise various financial education programmes adopted by the UK’s policy makers and financial regulators with an aim to police and regulate household financial decision-making. The chapter’s key argument is that these edu-regulatory policies and programmes are used to expand consumer access to financial information, financial education and financial advice. Naming this process “the democratisation of financial knowledge”, the chapter introduces another conceptual framework. The democratisation of financial knowledge as a concept is used in the book to theorise ever greater broadening, deepening, and expansion of consumer access to financial knowledge. This conclusion is of particular importance since the key aim of this concept is to shift the academic debate on and analysis of financial literacy education from access to finance to one on access to financial knowledge. This concept provides analytical space to interrogate and question the neutrality, universality and objectivity of financial knowledge. It provides a means to question the ways in which financial knowledge participates in governance of consumer financial markets.It is suggested in this chapter that the project on consumer financial education aims to democratise consumer access to highly restrictive and problematic financial knowledge. Various financial education programmes and policies do not develop and facilitate access to all kinds of financial knowledge. Instead, the financial education project builds access to financial information, financial education and financial advice largely oriented towards consumer activation and integration in financial markets.
Bitte loggen Sie sich ein, um Zugang zu diesem Inhalt zu erhalten
Sie möchten Zugang zu diesem Inhalt erhalten? Dann informieren Sie sich jetzt über unsere Produkte:
Arrighi, G. 1994. The Long Twentieth Century. London: Verso.
Arthur, C. 2011. Financial Literacy in Ontario: Neoliberalism, Pierre Bourdieu and the Citizen. Journal for Critical Education Policy Studies 9 (1): 188–222.
Arthur, C. 2012. Consumer or Critical Citizens? Financial Literacy Education and Freedom. Critical Education 3 (6): 1–25.
Austin, R. 2004. Of Predatory Lending and the Democratization of Credit: Preserving the Social Safety Net of Informality in Small-Loan Transactions. American University Law Review 53 (6): 1217–1257.
Barr, M. 2001. Access to Financial Services in the 21st Century: Five Opportunities for the Bush Administration and the 107th Congress. [Online] Available at: http://www.brookings.edu/~/media/research/files/articles/2001/6/metropolitanpolicy%20barr/barr.pdf. Accessed 1 Oct 1 2014.
Bateman, M. 2010. Why Doesn’t Microfinance Work? The Destructive Rise of Local Neoliberalism. London and New York: Zed Books.
Bateman, M., and H.-J. Chang. 2012. Microfinance and the Illusion of Development: From Hubris to Nemesis in Thirty Years. World Economic Review 1: 13–36.
Beggs, M., Bryan, D., and Rafferty, M. 2014. Shoplifters of the World Unite! Law and Culture in Financialized Times. Cultural Studies: 976–996.
Berkeley Daily Gazette. 1918. Essay Contest on Thrift for School Children. Berkeley Daily Gazette, 6 April.
Bowman, M.E. 1922. The School Savings Bank. The Elementary School Journal 23 (1): 56–67. CrossRef
Boyer, R. 2000. A Finance-Led Growth Regime? Economy and Society 29 (1): 111–145. CrossRef
Brahs, S. 2002. Consumer Protection Issues. [Online] Available at: http://www.oecd.org/finance/private-pensions/2085263.pdf. Accessed 29 Jan 2014.
Bryan, D., and M. Rafferty. 2006. Financial Derivatives: The New Gold? Competition & Change 10 (3): 265–282. CrossRef
Bryan, D., and M. Rafferty. 2011. Deriving Capital’s (and Labour’s) Future. Socialist Register 47: 196–223.
Buckingham, D. 2009. Beyond the Competent Consumer: The Role of Media Literacy in the Making of Regulatory Policy on Children and Food Advertising in the UK. International Journal of Cultural Policy 15 (2): 217–230. CrossRef
Calder, L. 2012. Saving and Spending. In The Oxford Handbook of the History of Consumption, ed. F. Trentmann, 348–376. New York: Oxford University Press.
Chima, O.R. 2010. The Democratistion of Finance: Financial Inclusion and Subprime in the UK and US. Doctoral thesis, Northumbria University, Newcastle. [Online] Available at: http://nrl.northumbria.ac.uk/648/. Accessed 26 Jan 2015.
Clark, G., N. Thrift, and A. Tickell. 2004. Performing Finance: The Industry, the Media and its Image. Review of International Political Economy 11 (2): 289–310. CrossRef
Clarke, C. 2015. Learning to Fail: Resilience and the Empty Promise of Financial Literacy Education. Consumption Markets & Culture 18 (3): 257–276. CrossRef
Collins, J.M. 2012. Financial Advice: A Substitude for Financial Literacy? Financial Services Review 12 (4): 307–322.
Copestake, J. 2010. Microfinance and Development Finance in India: Research Implications. Centre Emile Bernheim. [Online] Available at: http://www.file:///D:/users/user/Downloads/wp10028.pdf. Accessed 10 June 2015.
Epstein, G.A. 2005. Introduction: Financialization and the World Economy. In Financialisation and the World Economy, ed. G.A. Epstein, 3–16. Cheltenham: Edward Elgar.
Erturk, I., et al. 2005. The Democratisation of Finance? Promises, Outcomes and Conditions. CRESC Working Paper Series No. 9. [Online] Available at: http://www.cresc.ac.uk/medialibrary/workingpapers/wp9.pdf. Accessed 11 Oct 2014.
Erturk, I., et al. 2007. The Democratisation of Finance? Promises, Outcomes and Conditions. Review of International Political Economy 14 (4): 553–575. CrossRef
Erturk, I., et al. 2008. Financialization at Work: Key Texts and Commentary. Abingdon: Routledge.
Financial Services Authority. 2000. Informed Decisions? How Consumers Use Key Features: A Synthesis of Research on the use of Product Information at the Point of Sale. London: FSA. [Online] Available at: http://www.transact.org.uk/shared/get-file.ashx?id=2003&itemtype=document. Accessed 9 Dec 2014.
Fine, B., and D. Hall. 2012. Terrains of Neoliberalism: Constraints and Opportunities for Alternative Models of Service Delivery. In Alternatives to Privatization: Public Options for Essential Services in the Global South, ed. D. McDonald, and G. Ruiters, 45–70. London: Rutledge.
Frank, T. 2002. One Market Under God. Extreme Capitalism, Economic Populism and the End of Economic Democracy. London: Vintage.
Friedman, T. 1999. How Globalization Hit the High Street. Global Finance 13 (6): 23.
Froud, J., C. Haslam, S. Johal, and K. Williams. 2000. Shareholder Value and Financialization: Consultancy Promises, Management Moves. Economy and Society 29 (1): 80–110. CrossRef
Froud, J., A. Leaver, K. Williams, and W. Zhang. 2007. The Quiet Panic About Financial Illiteracy. In Global Finance in the New Century: Beyond Deregulation, ed. L. Assassi, A. Nesvetailova, and D. Wigan, 74–88. Basingstoke: Palgrave Macmillan.
Fuller, D. 1998. Credit Union Development: Financial Inclusion and Exclusion. Geoforum 29 (2): 145–157. CrossRef
G20. 2011. G20 High-Level Principles on Financial Consumer Protection, s.l. OECD.
Galer, R. 2002. Fee Structure, Disclosure and Education. Tallinn: OECD. [Online] Available at: http://www.oecd.org/daf/fin/private-pensions/2067331.pdf. Accessed 12 Jan 2014.
Gallery, G., and N. Gallery. 2010. Rethinking Financial Literacy in the Aftermath of the Global Financial Crisis. Griffith Law Review 19 (1): 30–50. CrossRef
Garcia, M.J.R. 2011. Financial Education and Behavioral Finance: New Insights into the Role of Information in Financial Decisions. Journal of Economic Surveys: 1–24.
Gathergood, J. 2012. Self-Control, Financial Literacy and Consumer Over-Indebtedness. Journal of Economic Psychology 33: 590–602. CrossRef
Ghosh, J. 2013. Microfinance and the Challenge of Financial Inclusion for Development. Cambridge Journal of Economics 37 (6): 1203–1219. CrossRef
Goede, M. d. 2005. Virtue, Furtune and Faith. A Genealogy of Finance. Minneapolis: University of Minnesota Press.
Goede, M. d. 2012. Speculative Security. The Politics of Pursuing Terrorist Monies. London: University of Minnesota Press.
Goodwin, D., Adelman, L., Middleton, S., and Ashworth, K. 1999. Debt, Money Management and Access to Financial Services: Evidence from the 1999 PSE Survey of Britain. Centre for Research in Social Policy. [Online] Available at: http://webcache.googleusercontent.com/search?q=cache:NICqH1CmiLIJ:www.bristol.ac.uk/poverty/pse/99PSE-WP8.doc+&cd=1&hl=en&ct=clnk&gl=uk. Accessed 20 June 2015.
HM Treasury. 2007. Financial Capability: The Government’s long-term Approach. London: HM Treasury. [Online] Available at: http://dera.ioe.ac.uk/7551/. Accessed 16 Aug 2014.
Hadfield, G.K., R. Howse, and M.J. Trebilcock. 1998. Information-Based Principles for Rethinking Consumer Protection Policy. Journal of Consumer Policy 21 (2): 131–169. CrossRef
Harding, W.F. 1893. A Successful School Savings Bank. Annals of the American Academy of Political and Social Science 4: 97–99. CrossRef
Harvey, D. 2007. A Brief History of Neoliberalism. Oxford: Oxford University Press.
Harvey, D. 2011. The Enigma of Capital: and the Crises of Capitalism. London: Profile Books.
Herald, T.S. 1920. Thrift Campaign in Public Schools. The Spartanburg Herald, 19 September.
Hilgert, M., J. Hogarth, and S. Beverly. 2003. Household Financial Management: The Connection Between Knowledge and Behaviour. Federal Reserve Bulletin 89 (7): 309–322.
Hobbs, R., and A. Jensen. 2009. The Past, Present, and Future of Media Literacy Education. The Journal of Media Literacy Education 1 (1): 1–11.
Howells, G. 2005. The Potential and Limits of Consumer Empowerment by Information. Journal of Law and Society 32 (3): 349–370. CrossRef
Howells, G., and S. Weatherill. 2005. Consumer Protection Law, 2nd ed. Aldershot: Ashgate.
Inderst, R. 2011. Consumer Protection and the Role of Advice in the Market for Retail Financial Services. Journal of Institutional and Theoretical Economics 167 (1): 4–21. CrossRef
Ireland, P. 2009. Financialization and Corporate Governance. Northern Ireland Legal Quarterly 60 (1): 15–34.
Ireland, P. 2011. Law and the Neoliberal Vision: Financial Property, Pension Privatization and the Ownership Society. Northern Ireland Legal Quarterly 62: 1–31.
Johnston, D. 2004. Financing Retirement: Private Pensions Policy Challenges. Montreal: OECD. [Online] Available at: http://www.oecd.org/finance/private-pensions/33637501.pdf. Accessed 6 Dec 2013.
Jones, O.M. 1924. Wise Spending As the Teacher Sees It. Washington, DC: National Conference on Thrift Education, 27–28 June.
Kar, S., 2013. Creditable Lives: Microfinance, Development, and Financial Risk in India. Doctoral Thesis. [Online] Available at: https://repository.library.brown.edu/studio/item/bdr:320624/. Accessed 26 May 2015.
Karim, L. 2008. Demystifying Micro-Credit: The Grameen Bank, NGOs, and Neoliberalism in Bangladesh. Cultural Dynamics 20 (1): 5–29. CrossRef
Kempson, E. 1996. Life on a Low Income. Social Policy Research, June 1. [Online] Available at: http://www.jrf.org.uk/sites/files/jrf/sp97.pdf. Accessed 8 Sept 2014.
Kempson, E., and Whyley, C. 1999. Kept Out or Opt Out? Understanding and Combating Financial Exclusion. Bristol: The Policy Press. [Online] Available at: http://www.bristol.ac.uk/media-library/sites/geography/migrated/documents/pfrc9902.pdf. Accessed 2 May 2014.
Kempson, E., Whyley, C., Caskey, J., and Collard, S. 2000. In or Out? Financial Exclusion: A Literature and Research Review. Financial Services Authority. [Online] Available at: http://www.pfrc.bris.ac.uk/Reports/In_or_out.pdf. Accessed 6 Jan 2015.
Klapper, L.F., Lusardi, A., and Panos, G.A. 2012. Financial Literacy and the Financial Crisis. Massachusetts: NBER. [Online] Available at: http://www.nber.org/papers/w17930. Accessed 3 Aug 2014.
Krippner, G.R. 2005. The Financialization of the American Economy. Socio-Economic Review 3 (2): 173–208. CrossRef
Landvogt, K., 2006. Critical Financial Capability. RMIT University. [Online] Available at: http://www1.rmit.edu.au/browse/About%20RMIT%2FHelp%2FMedia%20Assets%2FMedia%20Asset%2FK%2F;ID=cwt46mna0lofz.pdf;STATUS=A. Accessed 19 Apr 2015.
Langley, P. 2007. Uncertain Subjects of Anglo-American Financialization. Cultural Critique 65 (Winter): 67–91. CrossRef
Langley, P. 2008. The Everyday Life of Global Finance: Saving and Borrowing in Anglo-America. Oxford: Oxford University Press. CrossRef
Ledgerwood, J., J. Earne, and C. Nelson. 2013. The New Microfinance Handbook: A Financial Market System Perspective. Washington, DC: The World Bank. CrossRef
Levitas, R. 2005. The Inclusive Society? Social Exclusion and New Labour. Hampshire: Palgrave Macmillan.
Leyshon, A., and N. Thrift. 1995. Geographies of Financial Exclusion: Financial Abandonment in Britain and the United States. Transactions of the Institute of British Geographers 20 (3): 312–341. CrossRef
Leyshon, A., and N. Thrift. 1996. Financial Exclusion and the Shifting Boundaries of the Financial System. Environment and Planning A 28 (7): 1150–1156. CrossRef
Lown, J.M. 2005. Educating and Empowering Consumers to Avoid Bankruptcy. International Journal of Consumer Studies 29 (5): 401–408. CrossRef
Lusardi, A. 1999. Information, Expectations, and Savings for Retirement. In Behavioral Dimensions of Retirement Economics, ed. H. Aaron, 81–115. Washington, DC: Brookings Institution Press and Russell Sage Foundation.
Lusardi, A. 2002. Increasing Saving Among the Poor. The Role of Financial Literacy. Centre for Poverty Research. [Online] Available at: http://www.dartmouth.edu/~alusardi/Papers/Poor_Literacy.pdf. Accessed 9 May 2015.
Lusardi, A. 2004. Saving and the Effectiveness of Financial Education. In Pension Design and Structure: New Lessons from Behavioural Finance, ed. O. Mitchell, and S. Utkus, 157–184. Oxford: Oxford University Press. CrossRef
Lusardi, A. 2005. Financial Education and the Saving Behavior of African-American and Hispanic Households. Hanover: Dartmouth College. [Online] Available at: http://www.dartmouth.edu/~alusardi/Papers/Education_African%26Hispanic.pdf. Accessed 18 Dec 2014.
Lusardi, A. 2008. Household Saving Behavior: The Role of Financial Literacy, Information, and Financial Education Programmes. NBER Working Paper No. 13824. [Online] Available at: http://www.nber.org/papers/w13824. Accessed 2 Oct 2014.
Lusardi, A., and O. Mitchell. 2007a. Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education. Business Economics 42 (January): 35–44. CrossRef
Lusardi, A., and O. Mitchell. 2007b. Baby Boomer Retirement Security: The Role of Planning, Financial Literacy, and Housing Wealth. Journal of Monetary Economics 54 (January): 205–224. CrossRef
Lusardi, A., and O. Mitchell. 2008. Planning and Financial Literacy: How do Women Fare? American Economic Review: Papers and Proceedigs 98 (2): 413–417. CrossRef
Lusardi, A., and Tufano, P. 2009. Debt Literacy, Financial Experiences, and Overindebtedness. NBER Working Paper No. 14808. [Online] Availabe at: http://www.nber.org/papers/w14808. Accessed 19 Dec 2014.
Lusardi, A., and Mitchell, O. 2011. The Outlook for Financial Literacy. In Financial Literacy. Implications for Retirement Security and the Financial Marketplace, eds. A. Lusardi and O. Mitchell, 1–13. New York: Oxford University Press.
Lusardi, A., Mitchell, O.S., and Curto, V. 2009. Financial Literacy Among the Young: Evidence and Implications for Consumer Policy. The National Bureau of Economic Research. [Online] Available at: http://www.nber.org/papers/w15352.pdf. Accessed 15 Dec 2014.
Lusardi, A., Bucher-Koenen, T., Alessie, R., and Rooij, M.V., 2012. How Financially Literate Are Women? Some New Perspectives on the Gender Gap. Network for Studies on Pensions, Aging and Retirement. [Online] Available at: http://arno.uvt.nl/show.cgi?fid=126935. Accessed 16 Oct 2014.
MacKenzie, D. 2006. An Engine, Not a Camera: How Financial Models Shape Markets. Cambridge: MIT Press. CrossRef
Manji, A. 2010. Eliminating Poverty? ‘Financial Inclusion’, Access to Land, and Gender Equality in International Development. The Modern Law Review 73 (6): 985–1025. CrossRef
Marlowe, J., and J.H. Atiles. 2005. Consumer Fraud and Latino Immigrant Consumers in the United States. International Journal of Consumer Studies 29 (5): 391–400. CrossRef
Marron, D. 2014. ‘Informed, Educated and More Confident’: Financial Capability and the Problematization of Persoanl Finance Consumption. Consumption Markets and Culture 17 (5): 491–511. CrossRef
Martin, R. 2002. Financialization of Daily Lives. Philadelphia: Temple University Press.
Miller, J.J., 2010. Exploring “ ethnic money knowledge” as an aspect of financial literacy among middle class African Americans, Boston: Northeastern University. [Online] Available at: https://repository.library.northeastern.edu/downloads/neu:3353?datastream_id=content. Accessed 5 Dec 2014.
Milton, A., and B. Mullan. 2010. Consumer Food Safety Education for the Domestic Environment: A Systematic Review. British Food Journal 112 (9): 1003–1022. CrossRef
Montgomerie, J. 2006. The Financialization of the American Credit Card Industry. Competition & Change 10 (3): 301–319. CrossRef
Oberholtzer, S.L. 1892. School Savings Banks. Annals of the American Academy of Political and Social Science 3: 14–29. CrossRef
OECD. 1998. Maintaining Prosperity in an Aging Society. OECD. [Online] Available at: http://www.oecd.org/els/public-pensions/2429430.pdf. Accessed 2 Feb 2014.
OECD. 2000. Fifteen Principles for the Regulation of Private Occupational Pension Schemes. OECD. [Online] Available at: http://www.oecd.org/finance/private-pensions/2403207.pdf. Accessed 4 Feb 2014.
OECD. 2003a. Guidelines for the Protection of Rights of Members and Beneficiaries in Occupational Pension Plans. OECD. [Online] Available at: http://www.oecd.org/finance/private-pensions/34018295.pdf. Accessed 4 Feb 2014.
OECD. 2003b. Summary Record of the 2nd OECD/INPRS Conference on Private Pensions in Asia and the 3rd Asian-Pacific Regional INPRS Meeting. OECD. [Online] Available at: http://www.oecd.org/finance/financial-markets/25820019.pdf. Accessed 13 Feb 2014.
OECD. 2009. Financial Education and the Crisis: Policy Paper and Guidance. OECD. [Online] Available at: http://www.oecd.org/finance/financial-education/50264221.pdf. Accessed 3 Feb 2014.
Orhangazi, Ö. 2008. Financialization and the US Economy. Cheltenham: Edward Elgar. CrossRef
Pearson, G. 2008. Financial Literacy and the Creation of Financial Citizens. In The Future of Consumer Credit Regulation: Creative Approaches to Emerging Problems, ed. M. Kelly-Louw, J.P. Nehf, and P. Rott, 3–27. Aldershot: Ashgate Publishing.
Phillips, K. 1995. Arrogant Capital: Washington, Wall Street, and the Frustration of American Politics. New York: Little, Brown.
Pinto, L.E. 2009. Is Financial Literacy Education the Solution to Credit Crises? Our Schools, Our Selves 18 (4): 123–133.
Pinto, L.E., and E. Coulson. 2011. Social Justice and the Gender Politics of Financial Literacy Education. Journal of the Canadian Association for Curriculum Studies 9 (2): 54–85.
Policy Lab. 2015. Open Policy Making. [Online] Available at: https://openpolicy.blog.gov.uk/category/policy-lab/. Accessed 11 Dec 2015.
Ramsay, I. 1985. Framework for Regulation of the Consumer Marketplace. Journal of Consumer Policy 8 (4): 353–372. CrossRef
Rankin, K.N. 2001. Governing Development: Neoliberalism, Microcredit, and Rational Economic Woman. Economy and Society 30 (1): 18–37. CrossRef
Roberts, A. 2015. Gender, Financial Deepening and the Production of Embodied Finance: Towards a Critical Feminist Analyasis. Global Society 29 (1): 107–127. CrossRef
Robinson, M., 2001. The Microfinance Revolution: Sustainable Finance for the Poor. Washington, DC: The World Bank. [Online] Available at: http://people.virginia.edu/~sj8n/research/microfinJELreview.pdf. Accessed 12 May 2015.
Rooij, M.V., Lusardi, A., and Alessie, R. 2007. Financial Literacy and Stock Market Participation. NBER. [Online] Available at: http://www.dartmouth.edu/~alusardi/Papers/Literacy_StockMarket.pdf. Accessed 27 Jan 2015.
Rousmaniere, K. 1997. City Teachers: Teaching and School Reform in Historical Perspective. New York: Teachers College Press.
Rutledge, S.L. 2010. Consumer Protection and Financial Literacy: Lessons from Nine Country Studies. The World Bank. [Online] Available at: http://siteresources.worldbank.org/EXTFINANCIALSECTOR/Resources/Consumer_Protection_and_Fin_LiteracyWPS5326.pdf. Accessed 29 Oct 2014.
Rutledge, S.L., Annamalai, N., Lester, R., and Symonds, R.L. 2010. Good Practices for Consumer Protection and Financial Literacy in Europe and Central Asia: A Diagnostic Tool. Washington DC: The World Bank. [Online] Available at: http://siteresources.worldbank.org/INTECAREGTOPPRVSECDEV/Resources/GoodPractices_August2010.pdf. Accessed 21 Oct 2014.
Sanyal, P. 2009. From Credit to Collective Action: The Role of Microfinance in Promoting Women’s Social Capital and Normative Influence. American Sociological Review 74 (4): 529–550. CrossRef
Shiller, R.J. 2003. The New Financial Order. Princeton: Princeton University Press.
Shiller, R.J. 2008. The Subprime Solution. Princeton: Princeton University Press.
Soederberg, S. 2012. The Mexican Debtfare State: Dispossession, Micro-Lending, and the Surplus Population. Globalizations 9 (4): 561–575. CrossRef
Soederberg, S. 2013. Universalising Financial Inclusion and the Securitisation of Development. Third World Quarterly 34 (4): 593–612. CrossRef
Soederberg, S. 2014. Debtfare States and the Poverty Industry: Money, Discipline and the Surplus Population. Abingdon: Rutledge.
Stango, V., and Zinman, J. 2007. Fuzzy Math and Red Ink: When the Opportunity Cost of Consumption Is Not What It Seems. Mineo: Dartmouth College. [Online] Available at: http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.457.4758&rep=rep1&type=pdf. Accessed 16 Mar 2015.
Stockhammer, E. 2004. Financialization and the Slowdown of Accumulation. Cambridge Journal of Economics 28 (5): 719–741. CrossRef
Strange, S. 1998. Mad Money. Manchester: Manchester University Press. CrossRef
Straus, S.W., and Kirby, R. 1920. The History of the Thrift Movement in America. London: J.B. Lippincott Company.
Taylor, M. 2012. The Antinomies of ‘Financial Inclusion’: Debt, Distress and the Workings of Indian Microfinance. Journal of Agrarian Change 12 (4): 601–610. CrossRef
The Lord Turner. 2009. The Turner Review: A Regulatory Response to the Global Banking Crisis. FSA. [Online] Available at: http://www.fsa.gov.uk/pubs/other/turner_review.pdf. Accessed 11 Apr 2015.
The Polk County News. 1919. Give Grenade Banks to School Children. The Polk County News, 13 June, p. 2.
The UK Stewardship Code 2012.
The Bourbon News. 1919. School Children to Get Hand Grenade Savings Banks. The Bourbon News, 22 August.
The Evening Independent. 1918. Prizes Awarded in the Schools for Sale of War Saving Stamps. The Evening Independent, 6 May.
This American Life. 2015a. The Giant Pool of Money. [Online] Available at: http://www.thisamericanlife.org/radio-archives/episode/355/the-giant-pool-of-money. Accessed 19 Dec 2015.
This American Life. 2015b. The Watchmen. [Online] Available at: http://www.thisamericanlife.org/radio-archives/episode/382/the-watchmen. Accessed 19 Dec 2015.
This American Life. 2015c. Toxie. [Online] Available at: http://www.thisamericanlife.org/radio-archives/episode/418/toxie. Accessed 19 Dec 2015.
Thrift, N. 2001. “It’s the Romance Not the Finance that Makes the Business Worth Pursuing”: Disclosing a New Market Culture. Economy and Society 30 (4): 412–432. CrossRef
Treasury Committee. 2006. Financial Inclusion: Credit, Savings, Advice and Insurance. London: The Stationery Office Limited. [Online] Available at: http://www.publications.parliament.uk/pa/cm200506/cmselect/cmtreasy/848/848i.pdf. Accessed 30 Apr 2014.
Tucker, D.M. 1990. The Decline of Thrift in America: Our Cultural Shift From Saving to Spending. New York: Praeger.
Tversky, A., and D. Kahneman. 1974. Judgment under Uncertainty: Heuristics and Biases. Science 185 (4157): 1124–1131. CrossRef
Viscusi, K. 1996. Individual Rationality, Hazard Warnings and the Foundations of Tort Law. Rutgers Law Review 48: 625–671.
Waine, B. 2009. New Labour and Pensions Reform: Security in Retirement? Social Policy & Administration 43 (7): 754–771. CrossRef
Walter, M.W. 1928. Thrift Education Through School Savings. Boston: Women’s Educational and Industrial Union. [Online] Available at: http://catalog.hathitrust.org/Record/007911461. Accessed 23 Oct 2013.
Whitford, W.C. 1973. The Functions of Disclosure Regulation in Consumer Transaction. Wisconsin Law Review, 400–470.
Williams, T. 2007. Empowerment of Whom and for What? Financial Literacy Education and the New Regulation of Consumer Financial Services. Law & Policy 29 (2): 226–256. CrossRef
Willis, L. 2006. Decisionmaking and the Limits of Disclosure: The Problem of Predatory Lending: Price. Maryland Law Review 65 (3): 707–840.
Yates, J., and J.D. Hunter. 2011. Thrift and Thriving in America: Capitalism and Moral Order from the Puritans to the Present. New York: Oxford University Press. CrossRef
- Consumer Financial Education as a Novel Edu-Regulatory Technique
- Chapter 2
microm, Neuer Inhalt/© Stellmach, Neuer Inhalt/© Maturus, Pluta Logo/© Pluta, Avaloq/© Avaloq Evolution AG, Avaloq/© Avaloq