WorldWideScience

Sample records for lending act docket

  1. 77 FR 18810 - Registration Review; Pesticide Dockets Opened for Review and Comment and Other Docket Act

    Science.gov (United States)

    2012-03-28

    ... and will be publicly available only in hard copy form. Publicly available docket materials are available either in the electronic docket at http://www.regulations.gov , or, if only available in hard copy.... Section 3(g) of FIFRA provides, among other things, that the registrations of pesticides are to be...

  2. 78 FR 18586 - Registration Review; Pesticide Dockets Opened for Review and Comment and Other Docket Acts

    Science.gov (United States)

    2013-03-27

    ...With this document, EPA is opening the public comment period for several registration reviews. Registration review is EPA's periodic review of pesticide registrations to ensure that each pesticide continues to satisfy the statutory standard for registration, that is, the pesticide can perform its intended function without unreasonable adverse effects on human health or the environment. Registration review dockets contain information that will assist the public in understanding the types of information and issues that the Agency may consider during the course of registration reviews. Through this program, EPA is ensuring that each pesticide's registration is based on current scientific and other knowledge, including its effects on human health and the environment. This document also announces the Agency's intent not to open registration review dockets for iodomethane or ethametsulfuron-methyl. Iodomethane and ethametsulfuron-methyl are undergoing phase-outs of all U.S. pesticide registrations. The cancellations of the iodomethane end use registrations became effective on December 31, 2012, and the cancellation of the sole technical product registration will become effective on December 1, 2015. The cancellations of all ethametsulfuron-methyl product registrations became effective on February 20, 2013. Therefore, iodomethane and ethametsulfuron-methyl are not scheduled for review under the registration review program. This document also announces the registration review case closures for the pesticides alkyl amine hydrochloride (case 3051) and halofenozide (case 7425), and the availability of their respective Case Closure Documents. The cancellation of all alkyl amine hydrochloride registrations became effective on October 17, 2012. The cancellation of all U.S. halofenozide registrations became effective December 21, 2012. These case closure are being announced herein with no comment period.

  3. The National Credit Act Regarding Suretyships and Reckless Lending

    African Journals Online (AJOL)

    In terms of the National Credit Act a credit provider may conclude a credit agreement with a consumer only after he has made a proper financial assessment and concludes that the consumer will be able to satisfy all of his obligations under all his credit agreements. However, a practice of not conducting this affordability ...

  4. 78 FR 4725 - Escrow Requirements Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-01-22

    ... the Truth in Lending Act (TILA), 15 U.S.C. 1601 et seq., based on findings that economic stability... Current Mortgage Origination Market Even with the economic downturn and tightening of credit standards...'' numbered 7, 10, 11, and 12, maintained by the Economic Research Service (ERS) of the United States...

  5. 77 FR 49089 - High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act...

    Science.gov (United States)

    2012-08-15

    ... U.S. recession since the Great Depression.\\6\\ The Dodd-Frank Act created the Bureau and consolidated.... 1639h, and sections 1124 and 1125 of the Financial Institutions Reform, Recovery, and Enforcement Act of...

  6. 78 FR 6855 - High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act...

    Science.gov (United States)

    2013-01-31

    ...) issues this final rule to implement the Dodd-Frank Wall Street Reform and Consumer Protection Act's... consumer protections concerning a consumer's ability to repay, prepayment penalties, and escrow accounts.... 5491, 5511). The Consumer Financial Protection Act is substantially codified at 12 U.S.C. 5481-5603. As...

  7. EPA Administrative Enforcement Dockets

    Data.gov (United States)

    U.S. Environmental Protection Agency — The EPA Administrative Enforcement Dockets database contains the electronic dockets for administrative penalty cases filed by EPA Regions and Headquarters. Visitors...

  8. 78 FR 23171 - Amendments to the 2013 Escrows Final Rule Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-04-18

    ... provisions take effect in January 2014. DATES: Comments must be received on or before May 3, 2013. ADDRESSES... Disclosure Act (HMDA) data (for ``underserved'') and to provide illustrations of the rule to facilitate... this reason, the 2013 Escrows Final Rule removed the regulatory text providing these protections solely...

  9. 78 FR 30739 - Amendments to the 2013 Escrows Final Rule under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-05-23

    ... severe U.S. recession since the Great Depression, Congress passed the Dodd-Frank Act, which was signed... depository institutions and credit unions with $10 billion or less in total assets as described in section... small differential impact on depository institutions and credit unions with $10 billion or less in total...

  10. 76 FR 18007 - Intermediary Lending Pilot Program

    Science.gov (United States)

    2011-04-01

    ..., which are referenced in the Act's legislative history as bases for the ILP program. Requiring ILP... delinquency by an Eligible Small Business Concern. Finally, ILP Intermediaries will incur some costs of... loan request, lending history, projected lending activity, information regarding current or previous...

  11. Dynamic Incentives in Microfinance Group Lending

    Directory of Open Access Journals (Sweden)

    Naveen Kumar K

    2012-04-01

    Full Text Available One of the most essential tools of poverty reduction would be the viable expansion of institutional credit facilities to large sections of the people who neither have adequate collateral nor credit history to secure a loan. In this backdrop, social collateral is popularized through the group lending programs to address the credit market problems. Microfinance through group lending is acting as a screening device; the joint liability mechanism creates incentives for internal monitoring. Hence, it has received a lot of attention from policy makers as well as academicians. It is playing an important role in delivering financial services to the “socially and economically excluded” poor, in general, and women, in particular. The group lending works with various dynamic incentives. One such kind is principle of progressive lending and it plays a vital role in sustaining the groups for the persistent delivery of microfinance services to its members. In progressive lending, a typical borrower receives very small amounts at first, which increases with good repayment conduct or it links new, larger loans to past repayment. This article explores possible theoretical and empirical relationship between progressive lending and its determinants in group lending approach. The primary survey was conducted in 10 villages covering 106 self-help groups and 318 members in Karnataka, India. The empirical results show the progressive lending amount rising up to 698% of the initial loan of the self-help groups.

  12. 77 FR 37265 - Lending Limits

    Science.gov (United States)

    2012-06-21

    ... from derivative transactions, repurchase agreements, reverse repurchase agreements, securities lending... derivative transaction, repurchase agreement, reverse repurchase agreement, securities lending transaction... derivative transaction, repurchase agreement, reverse repurchase agreement, securities lending transaction...

  13. 78 FR 25818 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-05-03

    ... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1026 [Docket No. CFPB-2012-0039] RIN 3170-AA28 Truth in Lending (Regulation Z) AGENCY: Bureau of Consumer Financial Protection. ACTION: Final rule; official interpretations. SUMMARY: The Bureau of Consumer Financial Protection (Bureau) issues this final...

  14. 76 FR 11319 - Truth in Lending

    Science.gov (United States)

    2011-03-02

    ... Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be... Final Rule Congress enacted TILA based on findings that economic stability would be enhanced and... Economic Recovery Act of 2008 (HERA), also provides that its principal obligation limitations are subject...

  15. 75 FR 81836 - Truth in Lending

    Science.gov (United States)

    2010-12-29

    ... the Truth in Lending Act (TILA) based on findings that economic stability would be enhanced and... MDIA is contained in Sections 2501 through 2503 of the Housing and Economic Recovery Act of 2008, Public Law 110-289, enacted on July 30, 2008. The MDIA was later amended by the Emergency Economic...

  16. Direct Lending Works.

    Science.gov (United States)

    Riley, Richard W.

    1997-01-01

    In its third year, direct lending is working well for college students and administration. It is a simpler, faster, more efficient way of getting loan funds to students that cuts out financial middlemen. It helps students manage their finances better when repaying loans, promotes competition, stimulates program innovation, leads to greater…

  17. Power Reactor Docket Information

    International Nuclear Information System (INIS)

    1976-08-01

    A listing of citations and subject indexing for documentation associated with the regulation of commercial nuclear facilities is presented. This documentation for the most part is that submitted to the U.S. Nuclear Regulatory Commission in accordance with regulatory processes in support of applications for construction permits and operating licenses. The citations are listed in Docket Number order. The citations are preceded by two tables of contents that allow the correlation of Docket Numbers and Facility Names. An alphabetic subject index follows the citations

  18. 76 FR 18354 - Truth in Lending

    Science.gov (United States)

    2011-04-04

    ... extent that a creditor imposed charges that were inconsistent with Regulation Z while the account was... amounts charged during the period the account was exempt or to provide disclosures regarding transactions...) amends the Truth in Lending Act (TILA) by increasing the threshold for exempt consumer credit...

  19. What Truth in Lending Means to You.

    Science.gov (United States)

    Board of Governors of the Federal Reserve System, Washington, DC.

    Designed for the general public and possibly suitable also for high school economics students, this pamphlet discusses the provisions of the Truth in Lending Law. The act requires that creditors state credit charges in a uniform way. The pamphlet provides a brief description of finance charges and annual percentage rates. It also focuses on…

  20. Home-mortgage lending trends in New England in 2010

    OpenAIRE

    Ana Patricia Muñoz

    2012-01-01

    This brief analysis of home-mortgage lending trends in New England is based on data collected under the Home Mortgage Disclosure Act (HMDA). HMDA provides information on mortgage lending trends and includes data by loan purpose, type of loan, income, and the race and ethnicity of borrowers. In this report we focus on home-purchase and refinance loans in New England.

  1. 75 FR 58469 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2010-09-24

    ... Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be... 2503 of the Housing and Economic Recovery Act of 2008, Public Law 110-289, enacted on July 30, 2008. The MDIA was later amended by the Emergency Economic Stabilization Act of 2008, Public Law 110-343...

  2. 12 CFR 563e.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Lending test. 563e.22 Section 563e.22 Banks and... Assessing Performance § 563e.22 Lending test. (a) Scope of test. (1) The lending test evaluates a savings... community development lending criterion. (b) Performance criteria. The OTS evaluates a savings association's...

  3. 12 CFR 25.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... community development lending criterion. (b) Performance criteria. The OCC evaluates a bank's lending performance pursuant to the following criteria: (1) Lending activity. The number and amount of the bank's home... consider affiliate lending in assessing a bank's performance under paragraph (b)(2)(i) of this section. (d...

  4. Lending sociodynamics and economic instability

    Science.gov (United States)

    Hawkins, Raymond J.

    2011-11-01

    We show how the dynamics of economic instability and financial crises articulated by Keynes in the General Theory and developed by Minsky as the Financial Instability Hypothesis can be formalized using Weidlich’s sociodynamics of opinion formation. The model addresses both the lending sentiment of a lender in isolation as well as the impact on that lending sentiment of the behavior of other lenders. The risk associated with lending is incorporated through a stochastic treatment of loan dynamics that treats prepayment and default as competing risks. With this model we are able to generate endogenously the rapid changes in lending opinion that attend slow changes in lending profitability and find these dynamics to be consistent with the rise and collapse of the non-Agency mortgage-backed securities market in 2007/2008. As the parameters of this model correspond to well-known phenomena in cognitive and social psychology, we can both explain why economic instability has proved robust to advances in risk measurement and suggest how policy for reducing economic instability might be formulated in an experimentally sound manner.

  5. 78 FR 70194 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-11-25

    ... FEDERAL RESERVE SYSTEM 12 CFR Part 226 [Docket No. R-1470] BUREAU OF CONSUMER FINANCIAL PROTECTION... Governors of the Federal Reserve System (Board); and Bureau of Consumer Financial Protection (Bureau... Consumer Protection Act (Dodd-Frank Act) amended TILA by requiring that the dollar threshold for exempt...

  6. Monetary transmission and bank lending in Germany

    OpenAIRE

    Kakes, Jan; Sturm, Jan-Egbert; Philipp Maier

    1999-01-01

    This paper analyses the role of bank lending in the monetary transmission process in Germany. We follow a sectoral approach by distinguishing corporate lending and household lending. We find that banks respond to a monetary contraction by adjusting their securities holdings, rather than reducing their loans portfolio. Most lending categories even show an increase following a monetary tightening. The main implication of our results is that a bank lending channel is not an important transmissio...

  7. 78 FR 18795 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-03-28

    ... of credit at account opening. The consumer is also required to pay a cash advance fee that is equal... amount equal to any fees the consumer was required to pay with respect to the account that exceed 25... Regulation Z, which implements the Truth in Lending Act, and the Official Interpretations of the regulation...

  8. 75 FR 58505 - Regulation Z; Truth in Lending

    Science.gov (United States)

    2010-09-24

    .... Reasons for the Proposed Rule Congress enacted TILA based on findings that economic stability would be... and Regulation Z Congress enacted the Truth in Lending Act (TILA) based on findings that economic stability would be enhanced and competition among consumer credit providers would be strengthened by the...

  9. 12 CFR 345.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... criterion. (b) Performance criteria. The FDIC evaluates a bank's lending performance pursuant to the... consider affiliate lending in assessing a bank's performance under paragraph (b)(2)(i) of this section. (d... a bank's lending performance as provided in Appendix A of this part. ...

  10. 12 CFR 228.22 - Lending test.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Lending test. 228.22 Section 228.22 Banks and... REINVESTMENT (REGULATION BB) Standards for Assessing Performance § 228.22 Lending test. (a) Scope of test. (1) The lending test evaluates a bank's record of helping to meet the credit needs of its assessment area...

  11. Monetary transmission and bank lending in Germany

    NARCIS (Netherlands)

    Kakes, Jan; Sturm, Jan-Egbert; Philipp Maier, [No Value

    1999-01-01

    This paper analyses the role of bank lending in the monetary transmission process in Germany. We follow a sectoral approach by distinguishing corporate lending and household lending. We find that banks respond to a monetary contraction by adjusting their securities holdings, rather than reducing

  12. On US politics and IMF lending

    DEFF Research Database (Denmark)

    Andersen, Thomas Barnebeck; Harr, Thomas; Tarp, Finn

    2006-01-01

    The political factors shaping IMF lending to developing countries have attracted attention in recent empirical work. This goes in particular for the role and influence of the US. However, scant formal modelling makes interpretation of empirical results difficult. In this paper, we propose a model...... in which the US acts as principal within the IMF and seeks to maximize its impact on the policy stance of debtor countries. We derive an optimal loan allocation mechanism, which leads to the testable hypothesis that the probability of an IMF loan is increasing in the amount of political concessions...... countries make. A political concession is defined as the distance between a country's bliss point and its actual policy stance measured relative to the US. We introduce a bliss-point proxy and demonstrate that our hypothesis is strongly supported in the data. Moreover, we show that not accounting for bliss...

  13. Procedure for Electronic Management of Rulemaking and Other Docketed Records in the Federal Docket Management System

    Science.gov (United States)

    This procedure identifies the specific requirements, processes and supporting documents EPA uses to electronically manage rulemaking and other docketed records in the Federal Docket Management System (FDMS).

  14. A New Paradigm for Secure Social Lending

    Science.gov (United States)

    Serrelis, Emmanouil; Alexandris, Nikolaos

    Social Lending is one of the latest trends in Social Networking, offering a communication and financial channel between individual borrowers and lenders. The various Social Lending transaction schemes could be subject to multiple security threats, in both financial and technical terms, which could affect the integrity of the service as well as the trust of citizens. This paper provides an overview of the basic characteristics of Social Lending as well as an analysis the potential security issues suggesting some appropriate corrective measures. The ultimate target is to enforce the Social Lending effort with an information security foundation that could become an appreciable alternative to the "traditional" lending system.

  15. 78 FR 21085 - Establishment of a Public Docket for Administrative Detention Under the Food and Drug...

    Science.gov (United States)

    2013-04-09

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration 21 CFR Chapter I [Docket No. FDA-2013-N-0365] Establishment of a Public Docket for Administrative Detention Under the Food and Drug Administration Safety and Innovation Act AGENCY: Food and Drug Administration, HHS. ACTION: Establishment of...

  16. Monitoring Costs and Multinational-Bank Lending

    OpenAIRE

    Ralph de Haas

    2006-01-01

    We use a two-country model to examine how endogenous changes in monitoring intensity and exogenous changes in monitoring efficiency affect multinational-bank lending. First, an endogenous decline in monitoring intensity limits the amount of deposits that banks can attract. This lowers bank lending. Shocks that reduce bank capital relative to firm capital therefore have a stronger negative effect on bank lending compared to a model with exogenous monitoring intensity. Second, international dif...

  17. Bank Lending, Housing and Spreads

    DEFF Research Database (Denmark)

    Aslam, Aqib; Santoro, Emiliano

    The framework presented in this paper takes its cue from recent financial events and attempts to develop a tractable framework for policy analysis of macro-linkages, in particular a first attempt at the integration of an independent profit-maximising banking sector that lends to and borrows from...... agents in the economy, and through which changes in the monetary policy rate by the central bank are transmitted. The inter-linkages between housing and the role of the banking sector in the transmission of monetary policy is emphasized. Two competing effects are highlighted: (i) a financial accelerator...... channel, due to the presence of collateralized borrowers, and (ii) a banking attenuator effect, which crucially arises from the spread in interest rates caused by the introduction of monopolistically competitive financial intermediaries. We show how the classical amplification mechanism explored in models...

  18. 76 FR 43385 - Lending and Investment

    Science.gov (United States)

    2011-07-20

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Lending and Investment AGENCY: Office of... collection. Title of Proposal: Lending and Investment. OMB Number: 1550-0078. Form Number: N/A. Description: Current OTS regulations for the documentation of loans and investments for safety and soundness purposes...

  19. 76 FR 28504 - Lending and Investment

    Science.gov (United States)

    2011-05-17

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Lending and Investment AGENCY: Office of... collection. Title of Proposal: Lending and Investment. OMB Number: 1550-0078. Form Number: N/A. Description: Current OTS regulations for the documentation of loans and investments for safety and soundness purposes...

  20. 12 CFR 704.7 - Lending.

    Science.gov (United States)

    2010-01-01

    ... NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CORPORATE CREDIT UNIONS § 704.7 Lending. (a) Policies. A corporate credit union must operate according to a lending policy which addresses... analyzing the financial and operational soundness of the borrower and the ability of the borrower to repay...

  1. Collateral Damage: Interlibrary Loan Lending Denials

    Science.gov (United States)

    Leykam, Andrew

    2009-01-01

    The intent of this paper is to explore the potential of utilizing interlibrary loan (ILL) data relating to lending denials to improve ILL services while highlighting institutional policies that have a negative impact on lending fulfillment rates. Reasons for denial as well as the types of requests being denied are reviewed. In addition, the author…

  2. P2P Lending Risk Contagion Analysis Based on a Complex Network Model

    Directory of Open Access Journals (Sweden)

    Qi Wei

    2016-01-01

    Full Text Available This paper analyzes two major channels of P2P lending risk contagion in China—direct risk contagion between platforms and indirect risk contagion with other financial organizations as the contagion medium. Based on this analysis, the current study constructs a complex network model of P2P lending risk contagion in China and performs dynamics analogue simulations in order to analyze general characteristics of direct risk contagion among China’s online P2P lending platforms. The assumed conditions are that other financial organizations act as the contagion medium, with variations in the risk contagion characteristics set under the condition of significant information asymmetry in Internet lending. It is indicated that, compared to direct risk contagion among platforms, both financial organizations acting as the contagion medium and information asymmetry magnify the effect of risk contagion. It is also found that the superposition of media effects and information asymmetry is more likely to magnify the risk contagion effect.

  3. 22 CFR 102.27 - Docket.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Docket. 102.27 Section 102.27 Foreign Relations... other than the Director of the Office of Aviation and summaries of oral communications prepared in...) All comments submitted under this subpart and placed in the docket, are available for public...

  4. Nod of Approval For Black Lending

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    Private lending, once obscure and operated underground, gets an unofficial go-ahead from the Central Government When it comes to underground or black market lending, a major source of financing for small and medium-sized business owners, the Chinese Government had taken much the same approach as a legendary hero combating a mythological hydra:decapitating the many heads in an effort to slay the beast. Even now, as the government steps up efforts to tighten credit, the heads of the underground lending realm are sprouting up as fast as they are being cut off,

  5. Power Reactor Docket Information. Annual cumulation (citations)

    International Nuclear Information System (INIS)

    1977-12-01

    An annual cumulation of the citations to the documentation associated with civilian nuclear power plants is presented. This material is that which is submitted to the U.S. Nuclear Regulatory Commission in support of applications for construction and operating licenses. Citations are listed by Docket number in accession number sequence. The Table of Contents is arranged both by Docket number and by nuclear power plant name

  6. 78 FR 41803 - Establishment of a Public Docket for Comment on the Report Prepared Under the Food and Drug...

    Science.gov (United States)

    2013-07-11

    ... Administration Safety and Innovation Act (FDASIA) Section 1138, enacted July 9, 2012, and posted on the FDA Web... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2013-N-0757] Establishment of a Public Docket for Comment on the Report Prepared Under the Food and Drug Administration...

  7. 12 CFR 34.62 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Real estate lending standards. 34.62 Section 34.62 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Real Estate Lending Standards § 34.62 Real estate lending standards. (a) Each national bank shall...

  8. Lending behavior of multinational bank affiliates

    Directory of Open Access Journals (Sweden)

    Alexis Derviz

    2011-03-01

    Full Text Available We study the parent influence on lending by affiliates of a multinational bank. In the proposed theoretical model, local lending is influenced by shareholder-affiliate manager delegation and precautionary motives. The outcome is either contagion (the loan volume in the affiliate follows the direction of the parent bank country shock or performance-based reallocation of funds (substitution, depending on the degree of manager delegation in the affiliate and the liquidity-sensitivity in theparent bank. Empirical investigation, deliberately conducted on a sample not covering the latest financial crisis, shows that also in “normal” times, multinational banks that are likely to delegate lending decisions or be more liquidity-sensitive are more inclined towards contagionist behavior.

  9. The Bank Lending Channel: Evidence from Australia

    Directory of Open Access Journals (Sweden)

    Luke Liu

    2014-06-01

    Full Text Available This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of that cash rate change on lending of different types of loans. We find the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan. Smaller banks are more sensitive to policy rate changes, and household loans, government loans and intra-group loans are less responsive to monetary policy compared with financial and non-financial loans.

  10. 75 FR 80496 - Registration Review; Pesticide Dockets Opened for Review and Comment and Other Docket Actions

    Science.gov (United States)

    2010-12-22

    ... in hard copy form. Publicly available docket materials are available either in the electronic docket at http://www.regulations.gov , or, if only available in hard copy, at the OPP Regulatory Public... 155, subpart C. Section 3(g) of FIFRA provides, among other things, that the registrations of...

  11. 76 FR 60822 - Registration Review; Pesticide Dockets Opened for Review and Comment and Other Docket Actions

    Science.gov (United States)

    2011-09-30

    ... placed on the Internet and will be publicly available only in hard copy form. Publicly available docket... available in hard copy, at the OPP Regulatory Public Docket in Rm. S-4400, One Potomac Yard (South Bldg... 155, subpart C. Section 3(g) of FIFRA provides, among other things, that the registrations of...

  12. 76 FR 38166 - Registration Review; Pesticide Dockets Opened for Review and Comment and Other Docket Actions

    Science.gov (United States)

    2011-06-29

    ... in hard copy form. Publicly available docket materials are available either in the electronic docket at http://www.regulations.gov , or, if only available in hard copy, at the OPP Regulatory Public.... Section 3(g) of FIFRA provides, among other things, that the registrations of pesticides are to be...

  13. Information from Relationship Lending : Evidence from China

    NARCIS (Netherlands)

    Chang, C.; Liao, G.; Yu, X.; Ni, Z.

    2009-01-01

    We study the economic role of banks’ soft information, which evolved from repeated lending relationships, in the context of loan default. Using a proprietary database from one of the largest state-owned commercial banks in China, we find that the bank’s internal credit rating scores play a

  14. Bargaining power and information in SME lending

    NARCIS (Netherlands)

    J. Grunert (Jens); L. Norden (Lars)

    2012-01-01

    textabstractSmall- and medium-sized enterprises (SMEs) are informationally opaque and bank dependent. In SME lending, banks largely rely on soft information, because the scale and scope of hard information are limited. We analyze whether and how hard and soft information affects the borrower's

  15. 31 CFR 800.303 - Lending transactions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Lending transactions. 800.303 Section 800.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... the creation in the foreign person of a secured interest in securities or other assets of the U.S...

  16. Lending Behavior of Multinational Bank Affiliates

    Czech Academy of Sciences Publication Activity Database

    Derviz, Alexis; Podpiera, J.

    2011-01-01

    Roč. 1, č. 1 (2011), s. 19-36 ISSN 2077-429X Institutional research plan: CEZ:AV0Z10750506 Keywords : Multinational bank * Contagion * Substitution * Agency Subject RIV: AH - Economics http://library.utia.cas.cz/separaty/2011/E/derviz-lending behavior of multinational bank affiliates.pdf

  17. Experienced discrimination in home mortgage lending

    DEFF Research Database (Denmark)

    Secchi, Davide; Seri, Raffaello

    2017-01-01

    This article proposes a framework for the analysis of experienced discrimination in home mortgages. It addresses the problem of home mortgage lending discrimination in one of the richest areas of northern Italy. Employees of a local hospital were interviewed to study their perception (or experien...

  18. 7 CFR 1781.17 - Docket preparation and processing.

    Science.gov (United States)

    2010-01-01

    ... preparation, with a list of documents to be included in the docket. (3) Objectives of the docket. The docket.... (b) Loan processing by State Office—(1) Review of the docket. The processing office will check the... for authorized purposes. (v) Actions are in compliance with requirements of applicable Federal and...

  19. 12 CFR 614.4351 - Computation of lending and leasing limit base.

    Science.gov (United States)

    2010-01-01

    ... adjustments: (1) Where one institution invests in another institution in connection with the sale of a loan... the purchasing institution. (2) Stock protected under section 4.9A of the Act may be included in the lending and leasing limit base until January 1, 1998. (3) Any amounts of preferred stock not eligible to...

  20. 12 CFR 208.51 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Real estate lending standards. 208.51 Section... MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) Real Estate Lending and Appraisal Standards § 208.51 Real estate lending standards. (a) Adoption of written policies. Each state...

  1. 12 CFR 365.2 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Real estate lending standards. 365.2 Section... POLICY REAL ESTATE LENDING STANDARDS § 365.2 Real estate lending standards. (a) Each insured state... extensions of credit that are secured by liens on or interests in real estate, or that are made for the...

  2. 75 FR 16114 - Registration Review; Biopesticides Dockets Opened for Review and Comment

    Science.gov (United States)

    2010-03-31

    ... ENVIRONMENTAL PROTECTION AGENCY [EPA-HQ-OPP-2010-0118; FRL-8816-1] Registration Review; Biopesticides Dockets Opened for Review and Comment AGENCY: Environmental Protection Agency (EPA). ACTION...: March 25, 2010. Keith A. Matthews, Acting Director, Biopesticides and Pollution Prevention Division...

  3. Ensuring Economic Security in Lending Sphere

    Directory of Open Access Journals (Sweden)

    Ivan Vadimovich Kochikin

    2016-06-01

    Full Text Available Relevance of the topic is determined by the need for sustainable development of the country’s banking system, capable of ensuring the process of raising funds to producers and the public for their projects. One of the implementation of this objective is to discourage unfair behavior in financial markets. Trust is a key factor in the development of financial markets, therefore it is necessary to suppress the appearance of unfair practices and participants – black creditors, falsification of financial statements, trading on insider information and market manipulation. It requires a whole range of activities, and above all ensuring the inevitability and proportionality of punishment for unscrupulous players, the introduction of requirements for the business reputation of the management of financial institutions.The article is devoted to structuring legal violations in the lending sphere. The analysis of indicators of credit organizations in Russia was conducted to fulfill this aim. This analysis revealed the causes of sustainable growth of overdue accounts payable – job cuts in enterprises, violations in the financial sector, various errors in the credit granting / raising. The authors carry out the systematization and classification of offenses in the area of lending, provide examples, as well as factual material illustrating the violations in the lending process having the characteristics of a fraud. The article substantiates the obligations of employees of the credit institution, in the result of which risks of granting credit to fraudsters can be reduced. The methods of fraud prevention should include the identified methods of protection against fraud in the area under consideration – exchange of information by banks associated with the criminal intentions of customers; technology development and technical support, training, and personnel responsibilities.

  4. Pre-agreement assessment as a responsible lending tool in South Africa, the EU and Belgium :Part 1

    Directory of Open Access Journals (Sweden)

    Corlia Maritha van Heerden

    2018-03-01

    Full Text Available Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness. In this context the use of "pre-agreement assessment" as a tool to filter out those instances where, based on a consumer's creditworthiness or ability to repay, credit should not be granted to such a consumer, is a feature common to the lending regimes of various jurisdictions. This contribution consists of two parts: Part 1 provides a critical discussion of the reckless credit provisions of the National Credit Act 34 of 2005. Part 2 details the responsible lending measures contained in the EU Consumer Credit Directive and the EU Mortgage Credit Directive and provides an appraisal of the responsible lending measures introduced by Belgium, being a jurisdiction that has always been very pro-active in the context of consumer credit protection.

  5. Pre-Agreement Assessment as a Responsible Lending Tool in South-Africa, the EU and Belgium: Part 2

    Directory of Open Access Journals (Sweden)

    Corlia M van Heerden

    2018-03-01

    Full Text Available Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness. In this context the use of "pre-agreement assessment" as a tool to filter out those instances where, based on a consumer's creditworthiness or ability to repay, credit should not be granted to such a consumer, is a feature common to the lending regimes of various jurisdictions. This contribution consists of two parts: Part 1 provides a critical discussion of the reckless credit provisions of the National Credit Act 34 of 2005. Part 2 details the responsible lending measures contained in the EU Consumer Credit Directive and the EU Mortgage Credit Directive and provides an appraisal of the responsible lending measures introduced by Belgium, being a jurisdiction that has always been very pro-active in the context of consumer credit protection.

  6. 75 FR 63703 - Privacy Act of 1974; Privacy Act Regulation

    Science.gov (United States)

    2010-10-18

    ... FEDERAL RESERVE SYSTEM 12 CFR Part 261a [Docket No. R-1313] Privacy Act of 1974; Privacy Act... implementing the Privacy Act of 1974 (Privacy Act). The primary changes concern the waiver of copying fees... records under the Privacy Act; the amendment of special procedures for the release of medical records to...

  7. Appraisal of Priority Sector Lending by Commercial Banks in India

    OpenAIRE

    C Bhujanga Rao

    2014-01-01

    This report provides an overview of the performance of priority sector lending by commercial banks in India. The review captures the changing contours of Reserve Bank of India policy on priority sector advances. The paper analyses the trends in priority sector lending for the period 1995-2011, the burden of non-performing assets of commercial bank in priority sector lending and the extent to which priority sector targets are achieved by individual banks. It is observed that the scheduled comm...

  8. Monetary transmission and bank lending in the Netherlands

    OpenAIRE

    Kakes, Jan

    1998-01-01

    This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use to offset monetary shocks. The main implication of our study is that a bank lending channel is not likely to be an important transmission mechanism of monetary policy.

  9. 76 FR 56968 - [Docket No. FAA-2011-0490; Airspace Docket No. 11-AWP-5

    Science.gov (United States)

    2011-09-15

    ... DEPARTMENT OF TRANSPORTATION Federal Aviation Administration 14 CFR Part 71 [Docket No. FAA-2011... Administration (FAA), DOT. ACTION: Final rule. SUMMARY: This action modifies Class E airspace at Tonopah, NV, to... reference action under 1 CFR Part 51, subject to the annual revision of FAA Order 7400.9 and publication of...

  10. Monetary Expansion and the Banking Lending Channel.

    Science.gov (United States)

    Tabak, Benjamin Miranda; Moreira, Tito Belchior Silva; Fazio, Dimas Mateus; Cavalcanti, André Luiz Cordeiro; Cunha, George Henrrique de Moura

    2016-01-01

    This paper examines the bank lending channel, which considers how monetary authority actions affect the variation of loans. We focus on the BRICS (Brazil, Russia, India, China and South Africa) totalizing 1254 banks from five countries in the period 2000-2012 (totalizing 13 years). The empirical results show that the effect of money supply growth on the growth of loans is non-linear and inverted U-shaped. In this context, our results show empirical evidence expansionary monetary policies do not increase the propensity of economic agents to systematically take greater risks on the market. After a certain level of money stock, increases in the money supply do not lead to increased negotiated credit.

  11. Humane Orientation and Corruption in Bank Lending

    Directory of Open Access Journals (Sweden)

    Siwapong Dheera-aumpon

    2017-12-01

    Full Text Available Corruption in bank lending can seriously adversely affect credit allocation. Besides banking factors, national culture can also affect the corruption of bank officials. Prior studies have shown that collectivism increases bank corruption. This paper aims to assess the effects of cultural dimensions, besides collectivism, on the corruption of bank officials. Instead of using Hofstede's cultural data, this paper uses the data from the GLOBE project which is more recent and reports more cultural dimensions than Hofstede’s. Using the data covering more than 3000 firms in 32 countries, this paper finds that humane orientation increases the corruption of bank officials. The effect of humane orientation on the corruption of bank officials is not only statistically significant but also economically relevant. The magnitude of its effect is relatively comparable to that of collectivism.

  12. An Analysis of European Online micro-lending Websites

    OpenAIRE

    Arvind Ashta; Djamchid Assadi

    2009-01-01

    Purpose of the paper: With the development of web 2.0, a new kind on lending is taking place on the internet, termed peer to peer lending or social lending. In Europe, this includes commercial lending websites such as Zopa, smava, boober, Kokos, Monetto. At the same time, following the lead of Kiva in the US, European microcredit web platforms are coming up including MyC4 and Babyloan in Europe. The paper examines how the legal design of the online websites differs from the microcredit websit...

  13. A Method for Accounting for Risk in Lending

    National Research Council Canada - National Science Library

    Kobylski, Gerald

    1997-01-01

    ..., or decreased to increase competitiveness? Many lending institutions, specifically furniture retailers, do not use scientific methods for determining their risk of payment defaults on loans to customers...

  14. Emergence of Financial Intermediaries in Electronic Markets: The Case of Online P2P Lending

    OpenAIRE

    Sven C. Berger; Fabian Gleisner

    2009-01-01

    We analyze the role of intermediaries in electronic markets using detailed data of more than 14,000 originated loans on an electronic P2P (peer-to-peer) lending platform. In such an electronic credit market, lenders bid to supply a private loan. Screening of potential borrowers and the monitoring of loan repayment can be delegated to designated group leaders. We find that these market participants act as financial intermediaries and significantly improve borrowers' credit conditions by reduci...

  15. Lending Video Game Consoles in an Academic Library

    Science.gov (United States)

    Buller, Ryan

    2017-01-01

    This paper will outline the process and discussions undertaken at the University of Denver's University Libraries to implement a lending service providing video game consoles. Faculty and staff at the University Libraries decided to pursue the new lending service, though not a traditional library offering, to support the needs of a video game…

  16. Debt maturity and relationship lending: An analysis of European SMEs

    NARCIS (Netherlands)

    Hernandez-Canovas, G.; Koeter-Kant, J.

    2008-01-01

    This article examines the association between bank debt maturity and relationship lending using a unique survey sample of 3366 SMEs from 19 European countries. The knowledge of how the institutional environment shapes relationship lending helps us to understand how current institutional changes,

  17. 13 CFR 120.150 - What are SBA's lending criteria?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What are SBA's lending criteria... Policies Applying to All Business Loans Credit Criteria for Sba Loans § 120.150 What are SBA's lending... depth of management; (c) Strength of the business; (d) Past earnings, projected cash flow, and future...

  18. Monetary transmission and bank lending in the Netherlands

    NARCIS (Netherlands)

    Kakes, Jan

    1998-01-01

    This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use

  19. Foreigners vs. Natives : Bank Lending Technologies and Loan Pricing

    NARCIS (Netherlands)

    Beck, T.H.L.; Ioannidou, V.; Schäfer, L.

    2012-01-01

    Abstract: Do domestic and foreign banks differ in their lending techniques and loan pricing models? Are such differences driven by different clienteles? Using a sample of firms that borrow from both domestic and foreign banks in the same month, we show significant differences in lending techniques

  20. E-book lending in digital libraries: systematic review

    Directory of Open Access Journals (Sweden)

    Mehdi Alipour-Hafezi

    2016-12-01

    Full Text Available The purpose of this study is systematic review of e-book lending in digital libraries in order to identify the status of researches in e-book lending, exist research gaps, and their research methods. In this way, systematic review is used for study. Searching in databases in three steps finally showed 36 research resources to be studied. Findings demonstrate that researches on e-book lending are in progress and at the future this domain will be in the spotlight. Also findings showed that subjects such as e-book lending, business models and status of laws in e-book lending are the main fields that need more researches. Moreover study on research methods showed that most of the researches had done by quantitative approach and survey method.

  1. CHALLENGES AROUND DIGITAL BOOK LENDING LIBRARY

    Directory of Open Access Journals (Sweden)

    Julio Alonso-Arévalo

    2015-03-01

    Full Text Available The development and expansion of the global market for electronic books and associated models to lending library are still in a developmental state and uncertainty. After a first stage in which major publishers refused to sell licenses loan at present publishers are putting more e-book titles available to libraries, although with some restrictions. The dominant trend is moving inexorably towards greater availability and access to digital titles to libraries. Once this stage about the limited availability of titles are pending other matters as the issue of licensing costs, with different rates offered to the public, which are increased in some cases up to three or more sometimes the retail price, which further complicates the procurement processes for libraries in a time when budgets are limited, hampering the ability of libraries to acquire adequate collection of digital products. Among other issues, technological and commercial that limit many uses they had libraries in the analog context, ownership and possession of the collection, the same stability, portability across platforms, and the difficulties associated with DRM systems digital rights management.

  2. LENDING STRUCTURE AND MARKET RISK EXPOSURES: THE MALAYSIAN CASE

    Directory of Open Access Journals (Sweden)

    Aisyah Abdul Rahman

    2009-01-01

    Full Text Available This study addresses the linkages between lending structure and market risk exposure. The influence of lending structure is analysed by four measures: the real estate lending, the specialisation index, the short-term lending stability, and the medium-term lending stability. Our findings show that lending structure to some extent affects the market risk exposure to some extend. At the same time, listed bank holding companies showed higher levels of market risk during and after the 1997 Asian financial crisis. Meanwhile, the desired effect of bank mergers in terms of reducing market risk exposure did not materialise in this study. Thus, the findings of this study posits at least two implications; (1 policy makers should react accordingly in the decision-making process towards achieving the expected result of the monetary policy transmission mechanism, and (2 banks and investors should account the impact of lending structures in addition to the significance effect of loan expansion and management efficiency when determining market risk exposure of bank holding companies.

  3. MACRO ECONOMICS FACTORS AND BANK LENDING BEHAVIOUR IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Rofikoh Rokhim

    2014-10-01

    Full Text Available AbstractThis study examines the influencing macro economics factor in lending distribution and observes the comparison of each factor based on lending type which are investment, working capital and domestic consumption lending. Using data of Indonesian commercial banks between 2003-2011 and a balanced panel method, it finds that bank liquidity and inflation rate have significant negative effect, while number of banks has strong positive influence to stimulate lending distribution. Moreover, saving rate and GDP growth were found not meaningfully contributed to change investment lending distribution, but they significantly influenced the other lending distribution. Lastly, reserve requirement and exchange rate did not significantly influence all lending type.Keywords: Loan, interest rate, growth, GDP.JEL Classification Numbers: G21, E43, E51AbstrakStudi ini meneliti faktor ekonomi makro yang mempengaruhi distribusi pinjaman dan mengamati perbandingan masing-masing faktor berdasarkan jenis pinjaman yaitu pinjaman investasi, modal kerja dan konsumsi. Dengan menggunakan data dari bank-bank komersial di Indonesia antara 2003-2011, dengan menggunakan analisis data panel, ditemukan bahwa likuiditas perbankan dan tingkat inflasi berpengaruh negatif signifikan, sedangkan jumlah bank berpengaruh positif dan kuat untuk mendorong distribusi pinjaman pada semua jenis pinjaman. Selain itu, tingkat tabungan dan pertumbuhan PDB ditemukan tidak bermakna dalam kontribusinya untuk mempengaruhi distribusi kredit investasi, tetapi secara signifikan mempengaruhi distribusi pinjaman lainnya. Terakhir, GWM dan nilai tukar tidak signifikan mempengaruhi semua tiga kategori jenis pinjaman. Keywords: Loan, interest rate, growth, GDPJEL Classification Numbers: G21, E43, E51

  4. Exploring the critical factors influencing online lending intentions

    OpenAIRE

    Wang, Peng

    2015-01-01

    Background: Online lending (P2P lending) is a type of internet finance mainly used to meet the financial needs of small and medium-sized enterprises and groups of individuals. It is a supplement to the traditional financial system. Method: This paper uses PPDai.com - the most influential online lending platform in China - as a research object to study the leading factors that affect lenders' loan trust and perception of information asymmetry. It also studies the impacts of these factors on le...

  5. Money Lending Law and Regulation of Consumer Credit in Nigeria ...

    African Journals Online (AJOL)

    Money lending is an indispensible consumer credit device in Nigeria as it is elsewhere. ... (borrowers), but that they also unduly fetter the lenders, which development is bad for modern business efficacy. ... AJOL African Journals Online.

  6. 78 FR 17766 - Interagency Guidance on Leveraged Lending

    Science.gov (United States)

    2013-03-22

    ... high-level principles related to safe-and-sound leveraged lending activities, including underwriting considerations, assessing and documenting enterprise value, risk management expectations for credits awaiting distribution, stress- testing expectations, pipeline portfolio management, and risk management expectations for...

  7. Effect of Information Asymmetry and Relationship Lending on ...

    African Journals Online (AJOL)

    Effect of Information Asymmetry and Relationship Lending on Financial ... from small- business- friendly financial institutions, hypotheses postulated by the ... a model of transaction costs of financial contracting that put into consideration the ...

  8. 12 CFR 560.170 - Records for lending transactions.

    Science.gov (United States)

    2010-01-01

    ... practices that: (a) Ensure that the institution can make an informed lending decision and can assess risk on... that any claims against a borrower, guarantor, security holders, and collateral are legally enforceable...

  9. Financial and estimating indicators for assessment of mortgage lending value

    Directory of Open Access Journals (Sweden)

    Antonio Benvenuti

    2013-08-01

    Full Text Available The article proposes a calculation criteria for the determination of the mortgage lending value which originates from the application of the financial method (direct capitalisation, by adopting a capitalisation rate calculated by means of the Debt Coverage Ratio (DCR, taking into consideration the criteria set out by the mortgage lending value, that is (i prudent appreciation of the future marketability, (ii normal and local market conditions, (iii current use and (iv long-term sustainability of the property.

  10. Models of sequential decision making in consumer lending

    OpenAIRE

    Kanshukan Rajaratnam; Peter A. Beling; George A. Overstreet

    2016-01-01

    Abstract In this paper, we introduce models of sequential decision making in consumer lending. From the definition of adverse selection in static lending models, we show that homogenous borrowers take-up offers at different instances of time when faced with a sequence of loan offers. We postulate that bounded rationality and diverse decision heuristics used by consumers drive the decisions they make about credit offers. Under that postulate, we show how observation of early decisions in a seq...

  11. "Lines of Credit and Relationship Lending in Small Firm Finance"

    OpenAIRE

    Allen N. Berger; Gregory E. Udell

    1994-01-01

    This paper examines the role of relationship lending using a data set on small firm finance. The abilities to acquire private information over time about borrower quality and to use this information in designing debt contracts largely define the unique nature of commercial banking. Recently, a theoretical literature on relationship lending has appeared which provides predictions about how loan interest rates evolve over the course of a bank-borrower relationship. The study focuses on small, m...

  12. Lending Sociodynamics and Drivers of the Financial Business Cycle

    Directory of Open Access Journals (Sweden)

    Raymond J. Hawkins

    2017-10-01

    Full Text Available We extend sociodynamic modeling of the financial business cycle to the Euro Area andJapan. Using an opinion-formation model and machine learning techniques we find stable modelestimation of the financial business cycle using central bank lending surveys and a few selectedmacroeconomic variables. We find that banks have asymmetric response to good and bad economicinformation, and that banks adapt to their peers’ opinions when changing lending policies.

  13. Test of the Bank Lending Channel: The Case of Poland

    Directory of Open Access Journals (Sweden)

    Yu HSING

    2013-11-01

    Full Text Available This paper tests the bank lending channel for Poland based on a simultaneousequation model consisting of demand for and supply of bank loans. The three-stage least squares method is employed in empirical work. This paper finds support for a bank lending channel for Poland. Expansionary monetary policy through a lower money market rate or open market purchase of government bonds to increase bank reserves/deposits would increase bank loan supply.

  14. Fuzzy Portfolio Selection Problem with Different Borrowing and Lending Rates

    OpenAIRE

    Chen, Wei; Yang, Yiping; Ma, Hui

    2011-01-01

    As we know, borrowing and lending risk-free assets arise extensively in the theory and practice of finance. However, little study has ever investigated them in fuzzy portfolio problem. In this paper, the returns of each assets are assumed to be fuzzy variables, then following the mean-variance approach, a new possibilistic portfolio selection model with different interest rates for borrowing and lending is proposed, in which the possibilistic semiabsolute deviation of the return is used to...

  15. Marketing-Mix of Online Social Lending Websites

    OpenAIRE

    Djamchid Assadi; Meredith Hudson

    2010-01-01

    With the rise of microfinance in developing countries and its evolution to a business model in developed nations, microfinance has fully transitioned to the internet, taking the distinctive form of social lending. However, the marketing trends of emerging peer-to-peer micro-lending websites have been largely unexplored during its rise to recognition due to most studies focusing on financial, economic, political and humanitarian issues in context to microfinance. However, based on a sample of ...

  16. Bank Lending and Property Prices in Hong Kong

    OpenAIRE

    Gerlach, Stefan; Peng, Wensheng

    2004-01-01

    This paper studies the relationship between residential property prices and lending in Hong Kong. This is an interesting topic for three reasons. First, swings in property prices have been extremely large and frequent in Hong Kong. Second, under the currency board regime, monetary policy can not be used to guard against asset price swings. Third, despite the collapse in property prices since 1998, the banking sector remains sound. While the contemporaneous correlation between lending and prop...

  17. Race, Space, and Cumulative Disadvantage: A Case Study of the Subprime Lending Collapse.

    Science.gov (United States)

    Rugh, Jacob S; Albright, Len; Massey, Douglas S

    2015-05-01

    In this article, we describe how residential segregation and individual racial disparities generate racialized patterns of subprime lending and lead to financial loss among black borrowers in segregated cities. We conceptualize race as a cumulative disadvantage because of its direct and indirect effects on socioeconomic status at the individual and neighborhood levels, with consequences that reverberate across a borrower's life and between generations. Using Baltimore, Maryland as a case study setting, we combine data from reports filed under the Home Mortgage Disclosure Act with additional loan-level data from mortgage-backed securities. We find that race and neighborhood racial segregation are critical factors explaining black disadvantage across successive stages in the process of lending and foreclosure, controlling for differences in borrower credit scores, income, occupancy status, and loan-to-value ratios. We analyze the cumulative cost of predatory lending to black borrowers in terms of reduced disposable income and lost wealth. We find the cost to be substantial. Black borrowers paid an estimated additional 5 to 11 percent in monthly payments and those that completed foreclosure in the sample lost an excess of $2 million in home equity. These costs were magnified in mostly black neighborhoods and in turn heavily concentrated in communities of color. By elucidating the mechanisms that link black segregation to discrimination we demonstrate how processes of cumulative disadvantage continue to undermine black socioeconomic status in the United States today.

  18. Emergence of Financial Intermediaries in Electronic Markets: The Case of Online P2P Lending

    Directory of Open Access Journals (Sweden)

    Sven C. Berger

    2009-05-01

    Full Text Available We analyze the role of intermediaries in electronic markets using detailed data of more than 14,000 originated loans on an electronic P2P (peer-to-peer lending platform. In such an electronic credit market, lenders bid to supply a private loan. Screening of potential borrowers and the monitoring of loan repayment can be delegated to designated group leaders. We find that these market participants act as financial intermediaries and significantly improve borrowers' credit conditions by reducing information asymmetries, predominantly for borrowers with less attractive risk characteristics. Our findings may be surprising given the replacement of a bank by an electronic marketplace.

  19. Lending Interest Rates’ Relationships of Malaysia and Other Countries

    Directory of Open Access Journals (Sweden)

    Noor Azryani Auzairy

    2016-06-01

    Full Text Available This paper is to examine the relationship of Malaysia‟s lending interest rate with other countries which include China, Singapore, United States, Indonesia and Thailand. Those five countries are Malaysia‟s major trading partners. The daily base lending interest rates from 2006 to 2014 were applied to this study. The associations of the interest rates were tested by coefficient correlation and multivariate regression analysis. Results showed that Malaysian lending interest rate is significant and positively related to those of China, Thailand and the United States. Among the five countries‟ interest rates, only the changes in interest rates of China, Thailand and the United States would affect Malaysia‟s lending rate. The independence of monetary policy would hardly be expected by the Malaysian authority, Bank Negara, in its decision on lending interest rate. In addition, it may affect the trade finance and money market hedge decisions by the international traders. This study provides an overview and guidance to the government authorities in making more effective decisions related to monetary policy, international trade and foreign exchange exposure in order to strengthen the economy.

  20. Determinants of Default in P2P Lending.

    Directory of Open Access Journals (Sweden)

    Carlos Serrano-Cinca

    Full Text Available This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,449 from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower's debt level.

  1. Determinants of Default in P2P Lending.

    Science.gov (United States)

    Serrano-Cinca, Carlos; Gutiérrez-Nieto, Begoña; López-Palacios, Luz

    2015-01-01

    This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,449) from 2008 to 2014 that are first analyzed by using univariate means tests and survival analysis. Factors explaining default are loan purpose, annual income, current housing situation, credit history and indebtedness. Secondly, a logistic regression model is developed to predict defaults. The grade assigned by the P2P lending site is the most predictive factor of default, but the accuracy of the model is improved by adding other information, especially the borrower's debt level.

  2. BANK LENDING EVOLUTION IN ROMANIA DURING 2008-2015

    Directory of Open Access Journals (Sweden)

    Valentin Mihai LEOVEANU

    2016-06-01

    Full Text Available The period of global nuisance of banking and financial sector during the international financial crisis continues to have overwhelming implications in the current period, which requires careful research of monetary and financial phenomena locally and globally. In this sense, this article aims to highlight key aspects of the Romanian investment environment in the context of international economic environment and monetary policy transmission mechanisms in the Romanian economy. Following this approach, the study focuses on analyzing the financial position of banks operating in Romania, the evolution of lending by type of entity and positive/negative aspects about the impact of monetary policy measures and the NBR regulations on bank lending. The study shows conclusively the positive and the negative effects of lending evolution on the Romanian economy, on the solvency and bankruptcy risk of Romanian companies and on the behavior of debtors and creditors in credit relationships.

  3. Bank Lending Policy, Credit Scoring and Value at Risk

    OpenAIRE

    Jacobson, Tor; Roszbach, Kasper

    1998-01-01

    In this paper we apply a bivariate probit model to investigate the implications of bank lending policy. In the first equation we model the bank´s decision to grant a loan, in the second the probability of default. We confirm that banks provide loans in a way that is not consistent with default risk minimization. The lending policy must thus either be inefficient or be the result of some other type of optimizing behavior than expected profit maximization. Value at Risk, being a value weighted ...

  4. Fuzzy Portfolio Selection Problem with Different Borrowing and Lending Rates

    Directory of Open Access Journals (Sweden)

    Wei Chen

    2011-01-01

    the returns of each assets are assumed to be fuzzy variables, then following the mean-variance approach, a new possibilistic portfolio selection model with different interest rates for borrowing and lending is proposed, in which the possibilistic semiabsolute deviation of the return is used to measure investment risk. The conventional probabilistic mean variance model can be transformed to a linear programming problem under possibility distributions. Finally, a numerical example is given to illustrate the modeling idea and the impact of borrowing and lending on optimal decision making.

  5. 13 CFR 120.931 - 504 Lending limits.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false 504 Lending limits. 120.931 Section 120.931 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development... enumerated in § 120.862(b) applies to the Project). [68 FR 57988, Oct. 7, 2003] ...

  6. Optimal Joint Liability Lending and with Costly Peer Monitoring

    NARCIS (Netherlands)

    Carli, Francesco; Uras, R.B.

    2014-01-01

    This paper characterizes an optimal group loan contract with costly peer monitoring. Using a fairly standard moral hazard framework, we show that the optimal group lending contract could exhibit a joint-liability scheme. However, optimality of joint-liability requires the involvement of a group

  7. Joint liability lending and the peer selection effect

    NARCIS (Netherlands)

    Gangopadhyay, S; Ghatak, M; Lensink, R

    2005-01-01

    We show that the joint liability lending contracts derived in Ghatak (2000) violate an ex post incentive-compatibility constraint which says that the amount of joint liability cannot exceed the amount of individual liability. We derive and characterise optimal separating joint liability contracts

  8. Group lending and the role of the group leader

    NARCIS (Netherlands)

    Eijkel, van R.; Hermes, N.; Lensink, B.W.

    2011-01-01

    This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts

  9. Group lending and the role of the group leader

    NARCIS (Netherlands)

    van Eijkel, R.; Hermes, C.L.M.; Lensink, B.W.

    This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts

  10. 12 CFR 560.101 - Real estate lending standards.

    Science.gov (United States)

    2010-01-01

    ..., and reporting requirements to monitor compliance with the savings association's real estate lending... institutions' business plans and, when undertaken in a prudent manner, will not be subject to examiner... policies and strategic plan. Factors that should be considered include: • The size and financial condition...

  11. Lending Officers' Decisions to Recommend Innovative Agricultural Technology.

    Science.gov (United States)

    McIntosh, Wm. Alex; Zey-Ferrell, Mary

    1986-01-01

    Path analysis examines an analytical model of decision making by lending officers of 211 Texas banks when recommending agricultural technology to farmer-clients. Model analyzes effects of loan officers' ascribed/achieved personal characteristics and perceptions of organizational constraints during three stages of decision process: using…

  12. Management control of credit risk in the bank lending process

    NARCIS (Netherlands)

    Scheffer, S.B.

    2004-01-01

    Management control of credit risk in the bank lending processA casestudy to explore improvements from a managerial perspectiveAt the start of this project -back in 1998- new technologies and ideas were emerging among a new generation of financial engineering professionals who have been applying

  13. EIB lends EUR 300 million for CERN's major collider

    CERN Multimedia

    2002-01-01

    "The European Investment Bank (EIB) is lending EUR 300 million to finance the final phase of construction of the Large Hadron Collider (LHC) at CERN, the European Organization for Nuclear Research. The EIB loan will also help to finance the instrumentation to record and analyse the high-energy particle collisions at the LHC" (1 page).

  14. Correlates of Success in World Bank Development Policy Lending

    OpenAIRE

    Moll, Peter; Geli, Patricia; Saavedra, Pablo

    2015-01-01

    This paper examines the correlates of success of development policy lending operations of the World Bank between 2004 and 2012. The paper uses a data set constructed of individual loan characteristics and ex-post loan ratings produced by the World Bank's Independent Evaluation Group. Departing from the related literature, the paper focuses mostly on examining the impact of loan characteris...

  15. US politics and World Bank IDA-lending

    DEFF Research Database (Denmark)

    Andersen, Thomas Barnebeck; Hansen, Henrik; Markussen, Thomas

    2006-01-01

    This paper studies the role of US political factors in the allocation of World Bank concessional lending, where US political interests are proxied by voting similarity in the United Nations General Assembly on issues identified as important by the US Department of State. In contrast to previous...

  16. Does bank ownership affect relationship lending: A developing country perspective

    Directory of Open Access Journals (Sweden)

    Ashiqur Rahman

    2017-05-01

    Full Text Available In this paper we aim to explore how the type of bank ownership - local private banks, government-owned banks (public banks and foreign banks - can affect relationship lending to small and medium enterprises (SMEs by using a unique data set from Bangladeshi banking sector. We found that private banks differ from government-owned and foreign banks in terms of relationship lending and credit facilities to SMEs. More specifically, our results suggest that unlike government and foreign banks, private banks do consider soft information from relationship lending while setting up the loan spread to SMEs. We can also confirm that exclusive banking relationship or repeated banking with private banks can soften credit conditions (loan maturity and covenants. Moreover, we found empirical evidence that banking relationship is important for private banks in terms of SME credit risk evaluation. Finally, as according to our expectation, the results confirm that regardless of prior relationship, private banks are more depended on collateral-based lending to SMEs than government-owned or foreign banks.

  17. Public lending to private hedge funds is inefficient, unstable, unconstitutional and unanimously disagreeable

    Directory of Open Access Journals (Sweden)

    Sankarshan Acharya

    2016-06-01

    Full Text Available Public funds include federally insured deposits held under the custody of private banks, central bank loans and taxpayer funds. The principal finding of this paper is that lending such public funds through a private banking system to private hedge funds allied with the banks is inefficient, unstable, fundamentally unfair (unconstitutional and unanimously disagreeable. This finding is akin to the unanimously agreeable safe central banking policy (Acharya, 1991-2016 which, in dynamic general equilibrium, (a eliminates federal guarantee of bank deposits, (b offers every business enterprise and household an option to keep in the central bank any part of its deposits it wants to be held absolutely safely, (c completely deregulates all private banks without any privilege to rob public or private wealth like too-big-to-fail or too-big-to-be-jailed status or the power of market making and clearing. Safe central banking is the only way to make private banks responsible to hold sufficient capital to attract uninsured private deposits like the trading houses currently do. The private banks will then have complete freedom to lend their uninsured deposits to private hedge funds. The Volker Rule (NYT, January 30, 2010, incorporated in the Dodd-Frank Act of 2010, is an infeasible and unworkable band-aid for the moral-hazard driven systemic robbery of wealth creators wrought by the government-ordained private banking custody of public funds. The established systemic moral-hazard problem can be efficiently and constitutionally resolved only through unanimously agreeable safe central banking. Current proposals on overhauling of Fannie and Freddie made by various pundits of systemic robbery amount to a gargantuan amount of public lending to private hedge funds and, hence, inefficient, unstable, unconstitutional and unanimously disagreeable.

  18. 29 CFR 501.38 - Notice of docketing.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 3 2010-07-01 2010-07-01 false Notice of docketing. 501.38 Section 501.38 Labor Regulations Relating to Labor (Continued) WAGE AND HOUR DIVISION, DEPARTMENT OF LABOR REGULATIONS ENFORCEMENT OF CONTRACTUAL OBLIGATIONS FOR TEMPORARY ALIEN AGRICULTURAL WORKERS ADMITTED UNDER SECTION 218 OF THE...

  19. 29 CFR 502.38 - Notice of docketing.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 3 2010-07-01 2010-07-01 false Notice of docketing. 502.38 Section 502.38 Labor Regulations Relating to Labor (Continued) WAGE AND HOUR DIVISION, DEPARTMENT OF LABOR REGULATIONS ENFORCEMENT OF CONTRACTUAL OBLIGATIONS FOR TEMPORARY ALIEN AGRICULTURAL WORKERS ADMITTED UNDER SECTION 218 OF THE...

  20. Group lending and the role of the group leader

    OpenAIRE

    Eijkel, van, R.; Hermes, N.; Lensink, B.W.

    2011-01-01

    This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts in the highest monitoring effort. Moreover, monitoring efforts differ between group members due to free-riding: one member reduces her level of monitoring if the other increases her monitoring effor...

  1. Micro-lending for small farmers in Bangladesh

    OpenAIRE

    Rashid, Shahidur; Sharma, Manohar; Zeller, Manfred

    2002-01-01

    It has been long hypothesized that lack of access to credit is the main reason why, despite higher profitability of High Yielding Varieties (HYVs), farmers in developing countries continue to allocate a portion of their land to traditional crop varieties. The empirical testing of this hypothesis has generated a large body of literature with differing conclusions. This paper re-examines the issue in the context of a specially designed group-based lending program for small farmers in Bangladesh...

  2. Cross-selling lending and underwriting : scope economies and incentives

    OpenAIRE

    Laux, Christian; Walz, Uwe

    2009-01-01

    We highlight the implications of combining underwriting services and lending for the choice of underwriters and for competition in the underwriting business. We show that cross-selling can increase underwriters' incentives, and we explain three phenomena: first, that cross-selling is important for universal banks to enter the investment banking business; second, that cross-selling is particularly attractive for highly leveraged borrowers; third, that less-than-market rates are no prerequisite...

  3. The Internet, Bank Structure and Small Business Lending

    OpenAIRE

    Steven G. Craig; Polly T. Hardee

    2002-01-01

    The advent of the Internet has opened many opportunities for bankers to access new customers, increase convenience and expand product ranges in many markets, including that of small businesses. Yet anecdotal evidence reveals that smaller banks are reluctant to employ Internet technology in the small business market for fear of damaging the customer relationship developed through personal contact. These smaller, more simply structured banks tend to specialize in small business lending, possess...

  4. Collateral and its Substitutes in Emerging Markets' Lending

    OpenAIRE

    Lukas Menkhoff; Doris Neuberger; Ornsiri Rungruxsirivorn

    2011-01-01

    Due to opaque information and weak enforcement in emerging loan markets, the need for collateral is high, whereas borrowers lack adequate assets to pledge as collateral. How is this puzzle solved? We find for a representative sample from Northeast Thailand that indeed most loans do not include any tangible assets as collateral. Instead, lenders enforce collateral-free loans through third-party guarantees and relationship lending, but also through modifying loan terms, such as reducing loan si...

  5. How Collateral Laws Shape Lending and Sectoral Activity

    OpenAIRE

    Calomiris, Charles W.; Larrain, Mauricio; Liberti, José; Sturgess, Jason

    2015-01-01

    This paper investigates the effect of cross-country differences in collateral laws regarding movable assets on lending and sectoral allocation of resources. Using micro-level loan data for a sample of emerging market countries we show that loan-to-values of loans collateralized with movable assets are on average 21 percentage points higher in countries with strong-collateral laws relative to immovable assets. Further, stronger collateral laws tilt collateral composition away from immovable to...

  6. Reserve requirements and the bank lending channel in China

    OpenAIRE

    Fungácová , Zuzana; Nuutilainen , Riikka; Weill , Laurent

    2015-01-01

    This paper examines how reserve requirements influence the transmission of monetary policy through the bank lending channel in China while also taking into account the role of bank ownership. The implementation of Chinese monetary policy is characterized by the reliance on the reserve requirements as a regular policy tool with frequent adjustments. Using a large dataset of 170 Chinese banks for the period 2004–2013, we analyze the reaction of loan supply to changes in reserve requirements. We...

  7. On the roles of different foreign currencies in European bank lending

    OpenAIRE

    Krogstrup, Signe; Tille, Cedric

    2015-01-01

    We draw on a new data set on the use of Swiss francs and other currencies by European banks to assess the patterns of foreign currency bank lending. We show that the patterns differ sharply across foreign currencies. The Swiss franc is used predominantly for lending to residents, especially households. It is sensitive to the interest rate differential, exchange rate developments, funding availability, and to some extent international trade. Lending in other currencies is more used in lending ...

  8. PRUDENTIAL CONSTRAINS OF BANKS LENDING ACTIVITIES AFTER FINANCIAL CRISIS

    Directory of Open Access Journals (Sweden)

    Roberto Ercegovac

    2017-09-01

    Full Text Available Both economic practice and economic theory are interested in analyzing the role of financial sector in promoting the economic development and economic growth. Commercial banks are the most important financial institutions in bank-based economies. The lending activities of commercial banks are limited by regulatory framework, management decisions and credit capacities of borrowers. Regulatory framework has been limited lending potentials of commercial banks because of capital requirements and liquidity management costs. Information asymmetry and adverse selection in decision-making enforce commercial banks to implement credit rationing process even in case of social significance of investment projects. Social responsibility of commercial banks cannot be measured according to the risk-taking activities. Banking financial intermediations have to keep the value of savings deposits under control and protect the stability of financial system. This paper will analyze the risk structure and prudential constrains of bank lending activities. To employ the credit capacity of commercial banks, it is necessary to extend guarantee schemes or promote the alternative financing opportunities in sharing the risk of accelerated growth.

  9. Designing an Information System for Decision Support Lending

    Directory of Open Access Journals (Sweden)

    Adrian LUPASC

    2017-04-01

    Full Text Available The successful development of financial and banking activities requires a strong information support to ensure the competitive edge over the other competitors on the market. The exponential growth in the volume of lending financial operations made the use of modern information technology in banking has become fundamental to improving lending activity. Thus, the design and use of a computer system adapted to specific requirements of bank lending will provide opportunities to diversify and modernize the procedures for granting, repayment and credit guarantee to correlate products offer credit demands and customer needs. In this regard, the related objectives of this work are oriented to emphasize the positive impact of the adoption of modern information technologies in decision making in the banking field. The proposed objectives are justified by presenting solutions support system of credit decision which aims to automate ongoing operations specific to a banking allowing bank clerks to process a large number of loan applications in a time very short and to the right decisions and substantiated.

  10. 12 CFR 560.100 - Real estate lending standards; purpose and scope.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Real estate lending standards; purpose and... § 560.100 Real estate lending standards; purpose and scope. This section, and § 560.101 of this subpart....S.C. 1828(o), prescribe standards for real estate lending to be used by savings associations and all...

  11. Industries and the bank lending effects of bank credit demand and monetary policy in Germany

    NARCIS (Netherlands)

    Raabe, K.; Arnold, I.J.M.; Kool, C.J.M.

    2006-01-01

    This paper presents evidence on the industry effects of bank lending in Germany and asks whether bank lending to single industries depends on industry-specific bank credit demand or on monetary policy as determinant of bank credit supply. To this end, we estimate individual bank lending functions

  12. The Impact of Federal Preemption of State Antipredatory Lending Laws on the Foreclosure Crisis

    Science.gov (United States)

    Ding, Lei; Quercia, Roberto G.; Reid, Carolina K.; White, Alan M.

    2012-01-01

    State antipredatory lending laws (APLs) are designed to protect borrowers against predatory lending that can increase the risk of default and deplete the home equity held by borrowers. Federal regulators instituted preemption that limited the scope and reach of state antipredatory lending regulations for certain lenders. Based on the variation in…

  13. LENDING IN FOREIGN CURRENCY AND CURRENT CHALLENGES AT EUROPEAN LEVEL

    Directory of Open Access Journals (Sweden)

    ȘARGU Alina Camelia

    2012-12-01

    Full Text Available In recent years, most countries in Central and Eastern Europe, Member States of the EU, that we selected for the analysis (Bulgaria, Czech Republic, Estonia, Hungary, Latvia, Lithuania, Poland, Romania have recorded a significant expansion of lending in foreign currency, which was one of the major factors of the accelerated growth of loans to economy. Such developments have led to an increase of indebtedness in foreign currency of the non-financial private sector, especially of the households and of the accumulation of major macroeconomics and financial imbalances. The issue of lending in foreign currency, the determinants of increasing the share of loans in foreign currency and the risks generated at the level of financial stability are the subject of numerous studies, including: Basso, Calvo-Gonzales and Jurgilas (2007; Rosenberg and Tirpak (2008; Csajbók-Andras et al. (2010; Zettelmeyer, Nagy and Jeffrey (2010. Another significant issue addressed in the specialized literature regarding foreign currency loans refers to the role of monetary policy in limiting growth of these loans. Thus, in addition to those noted studies we remark other studies, such as: Kiss et al. (2006; Sirtaine and Skamnelos (2007; Hilbers et al. (2006; Brzoza-Brzezina et al. (2010. Our paper complements the specialized literature on the approached subject, in particular, by highlighting and discussing current issues of high interest for policymakers, both at national and European level regarding lending in foreign currency. The extremely negative implications of lending in foreign currency on financial stability in most countries under review, outlined clearly in the context of the current crisis, determined the focus of the policymakers concern, both at European and national level, regarding the issue of foreign currency loans, which became one of the most discussed issues on the agenda of the monetary-financial authorities. The aim of our research is to

  14. Monetary policy, bank size and bank lending: Evidence from Australia

    OpenAIRE

    Liu, Luke

    2011-01-01

    The transmission of monetary policy may hold the key to explaining the effects of policy on the economy. The objective of the study is to assess the importance of the bank lending channel in the transmission of monetary policy in Australia. In this paper, we found that the effectiveness of monetary policy varies with the size of the bank as well as the type of the loan. For different asset size and different kinds of loans, the effect of monetary policy is different. Thus, policy has distribu...

  15. The impact of monetary policy on bank lending rate in South Africa

    Directory of Open Access Journals (Sweden)

    B.T. Matemilola

    2015-03-01

    Full Text Available The pass-through of the policy rates to bank lending rate is an important subject matter because it measures the effectiveness of monetary policy to control inflation or stabilize the economy. This study investigates the long-run interest rate pass-through of the money market rate to the bank lending rate and asymmetric adjustment of the bank lending rate. The study applies the momentum threshold autoregressive and asymmetric error correction models. The asymmetric error correction results reveal that bank lending rate adjusts to a decrease in the money market rate in South Africa. The findings suggest that the South African commercial banks adjust their lending rate downward but the lending rate appears rigid upward, which supports the customer reaction hypothesis.

  16. Capital Requirements, Monetary Policy, and Aggregate Bank Lending: Theory and Empirical Evidence.

    OpenAIRE

    Thakor, Anjan V

    1996-01-01

    Capital requirements linked solely to credit risk are shown to increase equilibrium credit rationing and lower aggregate lending. The model predicts that the bank's decision to lend will cause an abnormal run-up in the borrower's stock price and that this reaction will be greater the more capital-constrained the bank. The author provides empirical support for this prediction. The model explains the recent inability of the Federal Reserve to stimulate bank lending by increasing the money suppl...

  17. 75 FR 24549 - Merchant Marine Act and Magnuson-Stevens Fishery Conservation and Management Act (Magnuson...

    Science.gov (United States)

    2010-05-05

    ... Management Act (Magnuson-Stevens Act) Provisions; Fishing Vessel, Fishing Facility and Individual Fishing... Fisheries Finance Program (FFP or the Program) provides long-term financing to the commercial fishing and...) lending program, 16 U.S.C. 1855(i)(1). The Magnuson-Stevens Fishery Conservation and Management...

  18. Bank Size and Small- and Medium-sized Enterprise (SME) Lending: Evidence from China

    Science.gov (United States)

    SHEN, YAN; SHEN, MINGGAO; XU, ZHONG; BAI, YING

    2014-01-01

    Summary Using panel data collected in 2005, we evaluate how bank size, discretion over credit, incentive schemes, competition, and the institutional environment affect lending to small- and medium-sized enterprises in China. We deal with the endogeneity problem using instrumental variables, and a reduced-form approach is also applied to allow for weak instruments in estimation. We find that total bank asset is an insignificant factor for banks’ decision on small- and medium-enterprise (SME) lending, but more local lending authority, more competition, carefully designed incentive schemes, and stronger law enforcement encourage commercial banks to lend to SMEs. PMID:26052179

  19. Bank Size and Small- and Medium-sized Enterprise (SME) Lending: Evidence from China.

    Science.gov (United States)

    Shen, Yan; Shen, Minggao; Xu, Zhong; Bai, Ying

    2009-04-01

    Using panel data collected in 2005, we evaluate how bank size, discretion over credit, incentive schemes, competition, and the institutional environment affect lending to small- and medium-sized enterprises in China. We deal with the endogeneity problem using instrumental variables, and a reduced-form approach is also applied to allow for weak instruments in estimation. We find that total bank asset is an insignificant factor for banks' decision on small- and medium-enterprise (SME) lending, but more local lending authority, more competition, carefully designed incentive schemes, and stronger law enforcement encourage commercial banks to lend to SMEs.

  20. Kiva.org: Crowd-Sourced Microfinance & Cooperation in Group Lending

    OpenAIRE

    Hartley, Scott

    2010-01-01

    At the end of 2008 Kiva.org announced the creation of “Lending Teams,” or cohesive open or closed membership groups established and categorized according to scope. These Lending Teams introduce forms of cooperative many-to-one and many-to-many group lending, based on tenuous concepts of identity. Groups vary according to category, size, scope, and activity, and this impacts participatory vitality of crowd-sourced lending. Looking specifically at Kiva.org as a prominent online community for p...

  1. 75 FR 71724 - Real Estate Settlement Procedures Act (RESPA): Solicitation of Information on Changes in...

    Science.gov (United States)

    2010-11-24

    ... credit approval decision with respect to each mortgage loan application? What level of scrutiny do... Procedures Act (RESPA): Solicitation of Information on Changes in Warehouse Lending and Other Loan Funding... guidance under RESPA to address possible changes in warehouse lending and other financing mechanisms used...

  2. 78 FR 27308 - Loan Originator Compensation Requirements Under the Truth In Lending Act (Regulation Z...

    Science.gov (United States)

    2013-05-10

    ... consumer financial laws, to consider the potential benefits and costs of regulation to consumers and... effective date of Sec. 1026.36(i) would also delay the consumer benefit that would result from allowing the..., 2013 / Proposed Rules#0;#0; [[Page 27308

  3. 78 FR 32547 - Loan Originator Compensation Requirements Under the Truth in Lending Act (Regulation Z...

    Science.gov (United States)

    2013-05-31

    ... adverse unintended consequences. Therefore, The Bureau further finds it has good cause pursuant to section... that it seeks comment on clarifications. (The Bureau is not contemplating extending the effective date... for an orderly transition. To allow the mortgage industry sufficient time to comply with the new rules...

  4. 78 FR 11279 - Loan Originator Compensation Requirements Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-02-15

    .... Fin., Mortgage Originations by Product, in 1 The 2011 Mortgage Market Statistical Annual 20 (2011). So.... When housing prices began to decline in 2005, refinancing became more difficult and delinquency rates..., respectively. In addition, as the economy worsened, the rates of serious delinquency (90 or more days past due...

  5. 78 FR 6621 - Ability To Repay Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-01-30

    ... increase the cost of credit for those who do, thereby impacting the availability of credit for these at... mortgage delinquencies and foreclosure rates increased dramatically, caused in part by the gradual...

  6. 78 FR 10901 - Mortgage Servicing Rules Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-02-14

    ... who's actually going to be punished by the mortgage fraud settlement, Bloomberg News, February 10... Unsound Foreclosure Practices (Apr. 13, 2011), available at http://www.occ.gov/news-issuances/news...), available at http://www.occ.treas.gov/news-issuances/news-releases/2011/nr-occ-2011-47.html . \\30\\ See Fed...

  7. 77 FR 55271 - Truth in Lending Act (Regulation Z); Loan Originator Compensation

    Science.gov (United States)

    2012-09-07

    ... primarily to borrowers with poor or no credit history, although there is evidence that some borrowers who... adjustments. When housing prices began to decline in 2005, refinancing became more difficult and delinquency... subprime and Alt-A mortgage market ground to a halt in 2007 in the face of these rising delinquencies...

  8. 77 FR 57317 - 2012 Truth in Lending Act (Regulation Z) Mortgage Servicing

    Science.gov (United States)

    2012-09-17

    ... servicers under a variety of business models. In some cases, creditors service mortgage loans that they... disbursement, and cross-marketing other products and services to borrowers. Under this business model...), available at: http://digital.law.washington.edu/dspace-law/bitstream/handle/1773.1/1074/86WLR755.pdf . These...

  9. Who Gets the Credit? And Does it Matter? Household vs Firm Lending Across Countries

    NARCIS (Netherlands)

    Beck, T.H.L.; Büyükkarabacak, B.; Rioja, F.; Valev, N.

    2009-01-01

    While theory predicts different effects of household credit and enterprise credit on the economy, the empirical literature has mainly used aggregate measures of overall bank lending to the private sector. We construct a new dataset from 45 developed and developing countries, decomposing bank lending

  10. Who gets the credit? And does it matter? Household vs firm lending across countries

    NARCIS (Netherlands)

    Beck, T.H.L.; Büyükkarabacak, B.; Rioja, F.; Valev, N.

    2012-01-01

    While theory predicts different effects of household credit and enterprise credit on the economy, the empirical literature has mainly used aggregate measures of overall bank lending to the private sector. We construct a new dataset from 45 developed and developing countries, decomposing bank lending

  11. 12 CFR 528.2 - Nondiscrimination in lending and other services.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Nondiscrimination in lending and other services. 528.2 Section 528.2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY NONDISCRIMINATION REQUIREMENTS § 528.2 Nondiscrimination in lending and other services. (a) No savings association...

  12. 12 CFR 614.4100 - Policies governing lending through Federal land bank associations.

    Science.gov (United States)

    2010-01-01

    ... lending through Federal land bank associations. (a) Farm Credit Banks and agricultural credit banks may delegate authority to make credit decisions to Federal land bank associations that demonstrate the ability... Farm Credit Bank and each agricultural credit bank lending through Federal land bank associations shall...

  13. Does Discretion in Lending Increase Bank Risk? Borrower Self-Selection and Loan Officer Capture Effects

    NARCIS (Netherlands)

    Gropp, R.; Grundl, C.; Guttler, A.

    2012-01-01

    Abstract: In this paper we analyze whether discretionary lending increases bank risk. We use a panel dataset of matched bank and borrower data. It offers the chief advantages that we can directly identify soft information in banks’ lending decisions and that we observe ex post defaults of borrowers.

  14. Does Discretion in Lending Increase Bank Risk? Borrower Self-Selection and Loan Officer Capture Effects

    NARCIS (Netherlands)

    Gropp, R.; Grundl, C.; Guttler, A.

    2012-01-01

    In this paper we analyze whether discretionary lending increases bank risk. We use a panel dataset of matched bank and borrower data. It offers the chief advantages that we can directly identify soft information in banks’ lending decisions and that we observe ex post defaults of borrowers.Consistent

  15. 12 CFR Appendix III to Part 27 - Fair Housing Lending Inquiry/Application Log Sheet

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Fair Housing Lending Inquiry/Application Log Sheet III Appendix III to Part 27 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR HOUSING HOME LOAN DATA SYSTEM Pt. 27, App. III Appendix III to Part 27—Fair Housing Lending...

  16. 37 CFR 201.24 - Warning of copyright for software lending by nonprofit libraries.

    Science.gov (United States)

    2010-07-01

    ... software lending by nonprofit libraries. 201.24 Section 201.24 Patents, Trademarks, and Copyrights... copyright for software lending by nonprofit libraries. (a) Definition. A Warning of Copyright for Software... packaging that contains the computer program which is lent by a nonprofit library for nonprofit purposes. (b...

  17. Lending Policies of Informal, Formal, and Semi-formal Lenders: Evidence from Vietnam

    NARCIS (Netherlands)

    Lensink, B.W.; Pham, T.T.T.

    2007-01-01

    This paper compares lending policies of formal, informal and semiformal lenders with respect to household lending in Vietnam. The analysis suggests that the probability of using formal or semiformal credit increases if borrowers provide collateral, a guarantor and/or borrow for business-related

  18. Lending policies of informal, formal and semiformal lenders - Evidence from Vietnam

    NARCIS (Netherlands)

    Pham, Thi Thu Tra; Lensink, Robert

    2007-01-01

    This paper compares lending policies of formal, informal and semiformal lenders with respect to household lending in Vietnam. The analysis suggests that the probability of using formal or semiformal credit increases if borrowers provide collateral, a guarantor and/or borrow for business-related

  19. Credit Booms and Lending Standards : Evidence from the Subprime Mortgage Market

    NARCIS (Netherlands)

    Dell’Ariccia, G.; Igan, D.; Laeven, L.

    2009-01-01

    This paper links the current subprime mortgage crisis to a decline in lending standards associated with the rapid expansion and changes in the structure of this market. We show that lending standards declined more in areas that experienced faster credit growth. We also find that the entry of new

  20. Lend Global, Fund Local? Price and Funding Cost Margins in Multinational Banking

    NARCIS (Netherlands)

    Galema, R.; Koetter, M.; Liesegang, C.

    2016-01-01

    In a proposed model of a multinational bank, interest margins determine local lending by foreign affiliates and the internal funding by parent banks. We exploit detailed parent-affiliate-level data of all German banks to empirically test our theoretical predictions in pre-crisis times. Local lending

  1. Fostering intentional interdisciplinary leadership in developmental disabilities: the North Carolina LEND experience.

    Science.gov (United States)

    Rosenberg, Angela; Margolis, Lewis H; Umble, Karl; Chewning, Linda

    2015-02-01

    This study describes the effects of interdisciplinary leadership training on a retrospective cohort (2001-2009) of the University of North Carolina MCH Leadership Education in Neurodevelopmental and Related Disabilities (UNC-CH LEND) program, including LEND graduates who were selected to participate in a focused Interdisciplinary Leadership Development Program (ILDP) in addition to their LEND training. Specifically, the study examined graduates' reports of the relationship between LEND training and their attitudes/beliefs about interdisciplinary practice, as well as their reported use of interdisciplinary skills in their post-fellowship practice settings. Using a post-test design, participants in the LEND and ILDP programs were contacted to complete an on-line survey. Using a Conceptual Model guided by EvaluLEAD, respondents were asked to rate the influence of the UNC-LEND training program on their attitudes/beliefs and skills using a 5-point Likert scale, as well as through open-ended descriptions. The 49 LEND respondents represented a 56% overall response rate from years 2001-2009. ILDP participants reported greater agreement with interdisciplinary attitudes/beliefs and more frequent use of interdisciplinary skills than did the non-participants. Graduates of LEND as well as ILDP reported the influence of training through a range of qualitative responses. Response examples highlight the influence of LEND training to promote outcomes at the individual, organizational and systems level. Findings from this study illustrate that MCHB funded LEND training has a strong influence on the future employment and interdisciplinary practices of graduates for the MCH workforce as well as services for individuals with developmental disabilities, their families and systems of care.

  2. Government chartered banks step up oil and gas lending

    International Nuclear Information System (INIS)

    Crow, P.

    1994-01-01

    International government chartered banks are playing an increasingly prominent role in lending for world oil and gas development projects. The main players are the World Bank's International Finance Corp. (IFC), European Bank for Reconstruction and Development (EBRD), US Export-Import Bank, and Overseas Private Investment Corp. (OPIC). Those institutions and similar ones are the catalysts for a large number of projects in the former Soviet Union (FSU) and in other nations that are seeking to develop oil and gas resources and build processing plants, pipelines, and distribution networks. Banks also are taking a greater degree of interest in the environmental aspects of projects. In country after country, especially in the developing world, barriers to foreign investment in domestic petroleum sectors are falling. Oil and gas law reforms are under way on each continent. The paper discusses the major players, the World Bank grouped, the Romanian example, the Ex-Im Bank, OPIC, the emphasis on FSU, environmental issues, and new sources of capital in developing countries

  3. 76 FR 12961 - Sunshine Act Meeting; Deletion of Agenda Items; Open Commission Meeting; Thursday, March 3, 2011

    Science.gov (United States)

    2011-03-09

    ... Affairs. Communications and Video Accessibility Act of 2010 (CG Docket No. 10-213); Amendments to the... People who are Blind, Deaf-Blind, or Have Low Vision (CG Docket No. 10-145). Summary: The Commission will...-First Century Communications and Video Accessibility Act of 2010 (CVAA). The NPRM proposes rules...

  4. 76 FR 20799 - Intermediary Lending Pilot Program Meeting

    Science.gov (United States)

    2011-04-13

    ... Pilot (ILP) program established by the Small Business Jobs Act of 2010. The meetings will be open to the... holding open meetings to discuss the ILP program established in the Small Business Jobs Act of 2010 (Pub... program public meeting, please contact: 1. San Francisco--Steve Bangs, (415) 744-6792, fax (415) 744-6812...

  5. 78 FR 76033 - Truth in Lending (Regulation Z)

    Science.gov (United States)

    2013-12-16

    ... Regulation Z implementing the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act..., Consumer protection, Credit, Credit unions, Mortgages, National banks, Reporting and recordkeeping... Rules Applicable to Credit Card Accounts and Open End Credit Offered to College Students 0 2. Section...

  6. 77 FR 33761 - Privacy Act of 1974; Notification to Update an Existing Privacy Act System of Records, “Grievance...

    Science.gov (United States)

    2012-06-07

    ... of a data breach. (See also on HUD's privacy Web site, Appendix I for other ways that the Privacy Act... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5613-N-04] Privacy Act of 1974; Notification to Update an Existing Privacy Act System of Records, ``Grievance Records'' AGENCY: Office of the...

  7. 75 FR 2163 - Constellation Energy; Notice of Docketing of Special Nuclear Material License SNM-2505 Amendment...

    Science.gov (United States)

    2010-01-14

    ... NUCLEAR REGULATORY COMMISSION [Docket No. 72-8; NRC-2010-0011] Constellation Energy; Notice of Docketing of Special Nuclear Material License SNM-2505 Amendment Application for the Calvert Cliffs... Constellation Energy (Constellation) to amend its Special Nuclear Material License No. SNM-2505, under the...

  8. 10 CFR 2.643 - Acceptance and docketing of application for limited work authorization.

    Science.gov (United States)

    2010-01-01

    ... application is docketed, the Director will cause to be published in the Federal Register and send to the... complete. (e) If part two of the application is docketed, the Director will cause to be published in the... § 2.101(a)(9) is incomplete and not acceptable for processing, the Director of New Reactors or the...

  9. 76 FR 79173 - Registration Review; Pesticide Dockets Opened for Review and Comment, and Notice of Availability...

    Science.gov (United States)

    2011-12-21

    ... placed on the Internet and will be publicly available only in hard copy form. Publicly available docket... available in hard copy, at the OPP Regulatory Public Docket in Rm. S-4400, One Potomac Yard (South Bldg.... Section 3(g) of FIFRA provides, among other things, that the registrations of pesticides are to be...

  10. 75 FR 38521 - Registration Review; Biopesticide Dockets Opened for Review and Comment

    Science.gov (United States)

    2010-07-02

    ... in hard copy form. Publicly available docket materials are available either in the electronic docket at http://www.regulations.gov , or, if only available in hard copy, at the OPP Regulatory Public.... Section 3(g) of FIFRA provides, among other things, that the registrations of pesticides are to be...

  11. 75 FR 60119 - Registration Review; Antimicrobial Pesticide Dockets Opened for Review and Comment

    Science.gov (United States)

    2010-09-29

    ... and will be publicly available only in hard copy form. Publicly available docket materials are available either in the electronic docket at http://www.regulations.gov , or, if only available in hard copy... 155, subpart C. Section 3(g) of FIFRA provides, among other things, that the registrations of...

  12. 75 FR 60117 - Registration Review; Biopesticides Dockets Opened for Review and Comment

    Science.gov (United States)

    2010-09-29

    ... publicly available only in hard copy form. Publicly available docket materials are available either in the electronic docket at http://www.regulations.gov , or, if only available in hard copy, at the OPP Regulatory.... Section 3(g) of FIFRA provides, among other things, that the registrations of pesticides are to be...

  13. 78 FR 16824 - Tobacco Product Manufacturing Practice; Establishment of a Public Docket

    Science.gov (United States)

    2013-03-19

    ... manufacturing operations. DATES: Submit electronic or written comments on the tobacco companies' recommendations... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration 21 CFR Chapter I [Docket No. FDA-2013-N-0227] Tobacco Product Manufacturing Practice; Establishment of a Public Docket AGENCY: Food...

  14. The reaction of bank lending to monetary policy in Brazil

    Directory of Open Access Journals (Sweden)

    Tony Takeda

    2005-03-01

    Full Text Available This paper evaluates the relevance of the "bank lending channel'' of monetary policy transmission in Brazil. Disaggregated monthly data of the Brazilian banks balance sheets from December 1994 to December 2001 are analyzed. In addition to the short-term interest rate, we consider the effects of another monetary policy instrument frequently used in Brazil, represented by reserve requirements on overall banks deposits - demand, savings, and time deposits. Dynamic panel data techniques are employed. Our results suggest that the impact of reserve requirements is relevant and stronger for larger banks loans. This finding results from the progressive reserve rates required from banks, which affect to a greater extent banks with larger deposit volumes.Este artigo avalia o canal de empréstimos bancários na transmissão da política monetária. A análise foca os dados mensais desagregados do balanço patrimonial dos bancos comerciais brasileiros de dezembro de 1994 a dezembro de 2001. Em adição à taxa básica de juros de curto prazo, este estudo considera também os efeitos de um outro instrumento de política monetária usado freqüentemente no Brasil, representado pelos recolhimentos compulsórios sobre os depósitos à vista, de poupança e a prazo. A partir de técnicas de análise de dados em painel dinâmico, os resultados dos testes sugerem que o impacto dos compulsórios é relevante e é mais forte sobre os empréstimos dos grandes bancos, conclusão que decorre de recolhimentos compulsórios de caráter progressivo, que afetam mais fortemente os bancos com maiores volumes de depósitos.

  15. Online peer-to-peer lending and its implications for small business credit financing in Norway

    OpenAIRE

    Brekke, Henrik; Hagerud, Simon

    2017-01-01

    Masteroppgave(MSc) in Master of Science in Business, Strategy - Handelshøyskolen BI, 2017 This thesis seeks to explore how the emergence of online peer-to-peer (P2P) lending will impact small businesses lending in Norway. Increasing attention has been drawn to small businesses and their apparent struggle to obtain appropriate credit financing. At the same time, online P2P lending, part of the new wave of financial technologies, has been held up as a potential remedy for this cr...

  16. Handling Uncertainty in Social Lending Credit Risk Prediction with a Choquet Fuzzy Integral Model

    OpenAIRE

    Namvar, Anahita; Naderpour, Mohsen

    2018-01-01

    As one of the main business models in the financial technology field, peer-to-peer (P2P) lending has disrupted traditional financial services by providing an online platform for lending money that has remarkably reduced financial costs. However, the inherent uncertainty in P2P loans can result in huge financial losses for P2P platforms. Therefore, accurate risk prediction is critical to the success of P2P lending platforms. Indeed, even a small improvement in credit risk prediction would be o...

  17. The impact of SMEs’ lending and credit guarantee on bank efficiency in South Korea

    Directory of Open Access Journals (Sweden)

    Lien-Wen Liang

    2017-12-01

    Full Text Available This study examines how small and medium-size enterprises’ (SMEs’ lending and credit guarantee affect Korean banks’ efficiency, by employing the stochastic frontier approach on 14 banks over the period 2001–2010. When lending increases to SMEs, the findings indicate that banks’ cost efficiency decreases due to information asymmetry. However, the increased proportion of credit guarantee can improve their cost efficiency. This proves that South Korea’s credit guarantee system can indeed share SMEs’ credit risk of lending in order to help raise bank efficiency.

  18. Online peer-to-peer lending and its implications for small business credit financing in Norway

    OpenAIRE

    Brekke, Henrik; Hagerud, Simon

    2017-01-01

    This thesis seeks to explore how the emergence of online peer-to-peer (P2P) lending will impact small businesses lending in Norway. Increasing attention has been drawn to small businesses and their apparent struggle to obtain appropriate credit financing. At the same time, online P2P lending, part of the new wave of financial technologies, has been held up as a potential remedy for this credit rationing. Our research involves two main parts. First, we study the extent to whi...

  19. Screening in new credit markets: can individual lenders infer borrower creditworthiness in peer-to-peer lending?

    NARCIS (Netherlands)

    Iyer, R.; Khwaja, A.I.; Luttmer, E.F.P.; Shue, K.

    2009-01-01

    The current banking crisis highlights the challenges faced in the traditional lending model, particularly in terms of screening smaller borrowers. The recent growth in online peer-to-peer lending marketplaces offers opportunities to examine different lending models that rely on screening by multiple

  20. The Wm. H. Zimmer Nuclear Power Station: Draft environmental statement (Docket No. 50-358)

    International Nuclear Information System (INIS)

    1976-10-01

    The proposed action is the issuance of an operating license to the Cincinnati Gas and Electric Company, the Columbus and Southern Ohio Electric Company, and the Dayton Power and Light Company for the startup and operation of the Wm. H. Zimmer Nuclear Power Station (Docket No. 50-358) (the station), located on the Ohio River in Clermont County, about 24 miles southeast of Cincinnati, Ohio. The information in this statement represents the second assessment of the environmental impact associated with the Zimmer Nuclear Power Station pursuant to the guidelines of the National Environmental Policy Act of 1969 (NEPA) and 10 CFR Part 51 of the Commission's Regulations. After receipt of an application in 1970 to construct this plant, the staff carried out a review of impact that would occur during the plant's construction and operation. This evaluation was issued as a final environmental statement in September 1972. As the result of this environmental review, a safety review, an evaluation by the Advisory Committee on Reactor Safeguards, and a public hearing in Cincinnati, Ohio, the AEC (now NRC) issued a permit in October 1972 for the construction of Unit 1 of the Zimmer Nuclear Power Station. As of June 1976, the construction of the plant was 54% complete. With a proposed fuel-loading data of April 1978, the applicant has petitioned for license to operate Unit 1 and has submitted (September 1975) the required safety and environmental reports to substantiate this petition. 96 refs., 17 figs., 34 tabs

  1. ANALYSIS OF MORTGAGE LENDING IN BANKS IN UKRAINE

    Directory of Open Access Journals (Sweden)

    Violetta Kharabara

    2017-11-01

    Full Text Available The purpose is a mortgage market that occupies one of the major places among the financial mechanisms of economic stimulation and stable development of the economy. The mortgage market occupies one of the main places of financial mechanisms and economic incentives for the sustainable economic development. Mortgage lending covers the provision of long-term bank loans for the purchase, construction of residential real estate, as well as for repairs or to develop their own small businesses, where the collateral for such loans is real estate. Distinctive features of mortgages include: mortgages, like any collateral, in fact, is a way to ensure proper implementation of the other (main liabilities – loan or credit agreement, lease, contract, compensation, etc.; the subject of a mortgage is always real estate. Real estate includes land plots and everything that is firmly associated with them: buildings, perennial plants, etc.; mortgaged property remains in the possession of the debtor; the agreement between the creditor and the debtor on the establishment of a mortgage is formalized by a special document – the mortgage, which is also subject to state registration. The mortgage crediting is the method of accumulation of financial resources, effective instrument of bank activity, and an important factor in economic development of the country on the whole. Research results are market of the real estate and financial services development, to the revival of fund market, here the mortgage crediting is capable not only of activating reforms in industries of the economy but also gradually providing the decision of housing problems of the population. Practical consequences consist in the solution of problems that are related to the market for mortgage services of Ukraine’s development from 2006 to 2016. Value/originality. Analysis of the mortgage market in Ukraine shows that in recent years, its scope, dynamics, and trends do not meet the needs of either

  2. The causal effect of restrictive bank lending on employment growth: A matching approach

    OpenAIRE

    Kleemann, Michael; Wiegand, Manuel

    2013-01-01

    Does restrictive bank lending cause lower employment growth at the firm-level or does it reflect firm characteristics that drive the deterioration of employment figures? Applying propensity score matching, we estimate the treatment effect of restrictive bank lending on employment growth. Combining balance sheet information and survey data on a firm's current and expected future business situation, we rule out the impact of firm heterogeneity. We find that credit constraints have a significant...

  3. International banking conglomerates and the transmission of lending shocks across borders

    OpenAIRE

    Gropp, Reint; Radev, Deyan

    2017-01-01

    We investigate how solvency and wholesale funding shocks to 84 OECD parent banks affect the lending of 375 foreign subsidiaries. We find that parent solvency shocks are more important than wholesale funding shocks for subsidiary lending. Furthermore, we find that parent undercapitalization does not affect the transmission of shocks, while wholesale shocks transmit to foreign subsidiaries of parents that rely primarily on wholesale funding. We also find that transmission is affected by the str...

  4. Monetary policy, bank size and bank lending: evidence from Australia(new version)

    OpenAIRE

    liu, luke

    2012-01-01

    This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of cash rate change on lending of different types of loans. We found the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan.

  5. Peer-to-peer lending and bias in crowd decision-making.

    Science.gov (United States)

    Singh, Pramesh; Uparna, Jayaram; Karampourniotis, Panagiotis; Horvat, Emoke-Agnes; Szymanski, Boleslaw; Korniss, Gyorgy; Bakdash, Jonathan Z; Uzzi, Brian

    2018-01-01

    Peer-to-peer lending is hypothesized to help equalize economic opportunities for the world's poor. We empirically investigate the "flat-world" hypothesis, the idea that globalization eventually leads to economic equality, using crowdfinancing data for over 660,000 loans in 220 nations and territories made between 2005 and 2013. Contrary to the flat-world hypothesis, we find that peer-to-peer lending networks are moving away from flatness. Furthermore, decreasing flatness is strongly associated with multiple variables: relatively stable patterns in the difference in the per capita GDP between borrowing and lending nations, ongoing migration flows from borrowing to lending nations worldwide, and the existence of a tie as a historic colonial. Our regression analysis also indicates a spatial preference in lending for geographically proximal borrowers. To estimate the robustness for these patterns for future changes, we construct a network of borrower and lending nations based on the observed data. Then, to perturb the network, we stochastically simulate policy and event shocks (e.g., erecting walls) or regulatory shocks (e.g., Brexit). The simulations project a drift towards rather than away from flatness. However, levels of flatness persist only for randomly distributed shocks. By contrast, loss of the top borrowing nations produces more flatness, not less, indicating how the welfare of the overall system is tied to a few distinctive and critical country-pair relationships.

  6. Valuation of Urban Commercial Properties in Nigeria for Secured Lending: Issues and Developments

    Directory of Open Access Journals (Sweden)

    Namnso Bassey Udoekanem

    2018-01-01

    Full Text Available Valuation for secured lending is required when an interest in real property is used as security for a loan. The outcome of such valuation will help the lending institution to achieve commercial prudence in lending as well as avoid taking undue risk. This paper examines the issues and developments in the valuation of urban commercial properties in Nigeria for secured lending purposes. It argues that due to the volatile nature of the Nigerian economy, coupled with the linkage between the economy and commercial property markets, the maximum amount of loan to be granted by lenders in the country using interest in commercial property as collateral should be based on the Mortgage Lending Value (MLV and not the Market Value (MV of the property, although the market value should also be reported in the valuation. A case study is used to demonstrate the valuation. It further contends that since the inputs for determining the MLV of a commercial property must be derived from long-term trends in the property and financial markets, it is more stable than MV when used to determine the maximum amount of mortgage loan to be granted by a lender. It concludes that the stability of the MLV makes it more reliable than the MV in achieving commercial prudence in mortgage lending as it fits into the long-term nature of mortgage loan repayment.

  7. The Bank Lending Channel of Monetary Policy Transmission in A Dual Banking System

    Directory of Open Access Journals (Sweden)

    Mansor H. Ibrahim

    2017-02-01

    Full Text Available This paper examines the impact of monetary policy on bank lending in a dual banking system, i.e. Malaysia. Making use of an unbalanced panel data set of 38 Islamic and conventional banks covering mostly 2001-2014, we find evidence that variations in monetary policy affect lending growth of Islamic banks and, to some extent, conventional banks. The results further reveal that, in conformity with studies using aggregate Islamic financing data, the Islamic financing growth reacts more strongly to monetary policy changes. Moreover, we find no marked difference between full-fledged Islamic banks and Islamic bank subsidiaries in their responses to monetary policy. While we also document some evidence indicating the significant relations between bank-specific variables and lending growth, the bank-specific variables do not seem to have any role in impacting the potency of the bank lending channel. Finally, we find that lending growth is directly related to economic growth, suggesting procyclicality of bank lending/financing in Malaysia. These results have important implications for effective implementation of monetary policy and further development of Islamic banks in Malaysia.

  8. 75 FR 82217 - Community Reinvestment Act Regulations

    Science.gov (United States)

    2010-12-30

    ... Thrift Supervision 12 CFR Part 563e [Docket ID OTS-2010-0032] RIN 1550-AC45 Community Reinvestment Act... Federal Reserve System (Board); Federal Deposit Insurance Corporation (FDIC); Office of Thrift Supervision...) regulations to adjust the asset-size thresholds used to define ``small bank'' or ``small savings association...

  9. 75 FR 79278 - Community Reinvestment Act Regulations

    Science.gov (United States)

    2010-12-20

    ... Congressional intent that the funds have maximum impact and be targeted to States and local communities with the... communities affected by high levels of foreclosures and delinquencies. \\12\\ The Board also received over 650... Thrift Supervision 12 CFR Part 563e [Docket ID OTS-2010-0031] RIN 1550-AC42 Community Reinvestment Act...

  10. 76 FR 67155 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-10-31

    ... inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: The... Federal Register Liaison Officer, Department of Defense. N05000-1 System name: OPNAV Headquarters Web... DEPARTMENT OF DEFENSE Department of the Navy [Docket ID USN-2011-0015] Privacy Act of 1974; System...

  11. 77 FR 74831 - Fair Credit Reporting Act Disclosures

    Science.gov (United States)

    2012-12-18

    ... the FACT Act added a new Section 612(a) to the FCRA that gives consumers the right to request free... BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No. CFPB-2012-0047] Fair Credit Reporting Act Disclosures AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice regarding charges for certain...

  12. 78 FR 21600 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-04-11

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2013-OS-0050] Privacy Act of 1974... notice in its existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as... members of the public is to make these submissions available for public viewing on the Internet at http...

  13. 75 FR 22569 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-04-29

    ... DEPARTMENT OF DEFENSE Department of the Air Force [Docket ID: USAF-2010-0014] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... Internet at http://www.regulations.gov as they are received without change, including any personal...

  14. 76 FR 10010 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-02-23

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0020] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... the public is to make these submissions available for public viewing on the Internet at http://www...

  15. 78 FR 52517 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-08-23

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DoD-2013-OS-0183] Privacy Act of 1974... systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This proposed action will... public is to make these submissions available for public viewing on the Internet at http://www...

  16. 75 FR 22570 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-04-29

    ... DEPARTMENT OF DEFENSE Department of the Air Force [Docket ID: USAF-2010-0012] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... on the Internet at http://www.regulations.gov as they are received without change, including any...

  17. 76 FR 53420 - Privacy Act of 1974; Systems of Records

    Science.gov (United States)

    2011-08-26

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0097] Privacy Act of 1974... notice in its existing inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a... submissions available for public viewing on the Internet at http://www.regulations.gov as they are [[Page...

  18. 78 FR 33807 - Privacy Act New System of Records

    Science.gov (United States)

    2013-06-05

    ... DEPARTMENT OF COMMERCE [Docket No. 130520483-3483-01] Privacy Act New System of Records AGENCY... Department's proposal for a new system of records under the Privacy Act. The system is entitled ``Information... Department is creating a new system of records that will enable electronic registration, via the Internet...

  19. 76 FR 11213 - Privacy Act of 1974; Systems of Records

    Science.gov (United States)

    2011-03-01

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2011-OS-0017] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... public is of make these submissions available for public viewing on the Internet at http://www...

  20. 77 FR 37002 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2012-06-20

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2012-OS-0072] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... available for public viewing on the Internet at http://www.regulations.gov as they are received without...

  1. 76 FR 63611 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-10-13

    ... DEPARTMENT OF DEFENSE Department of the Army [Docket ID: USA-2011-0025] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES... submissions available for public viewing on the Internet at http:// [[Page 63612

  2. 76 FR 43993 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-07-22

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0081] Privacy Act of 1974... the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This proposed action would be effective... the public is to make these submissions available for public viewing on the Internet at http://www...

  3. 75 FR 39921 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-07-13

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0102] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... on the Internet at http://www.regulations.gov as they are received without change, including any...

  4. 78 FR 43869 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-07-22

    ... DEPARTMENT OF DEFENSE Department of the Navy [Docket ID USN-2013-0025] Privacy Act of 1974; System... systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This proposed action will... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...

  5. 75 FR 17910 - Privacy Act of 1974; Systems of Records

    Science.gov (United States)

    2010-04-08

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0040] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... viewing on the Internet at http://www.regulations.gov as they are received without change, including any...

  6. 76 FR 10008 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-02-23

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0023] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... from members of the public is to make these submissions available for public viewing on the Internet at...

  7. 76 FR 66698 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-10-27

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0117] Privacy Act of 1974... notice from its existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...

  8. 75 FR 52517 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-08-26

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2010-OS-0117] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES... available for public viewing on the Internet at http://www.regulations.gov as they are received without...

  9. 75 FR 33789 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-06-15

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0078] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES... on the Internet at http://www.regulations.gov as they are received without change, including any...

  10. 78 FR 31905 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-05-28

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2013-OS-0110] Privacy Act of 1974... notice in its existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as... members of the public is to make these submissions available for public viewing on the Internet at http...

  11. 76 FR 45543 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-07-29

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0082] Privacy Act of 1974... subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This proposed action will be... the public is to make these submissions available for public viewing on the Internet at http://www...

  12. 77 FR 65539 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2012-10-29

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2012-OS-0132] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. [[Page... Internet at http://www.regulations.gov as they are received without change, including any personal...

  13. 75 FR 67703 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-11-03

    ... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2010-0024] Privacy Act of 1974; System... record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This proposed... the public is to make these submissions available for public viewing on the Internet at http://www...

  14. 77 FR 60412 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2012-10-03

    ... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2012-0012] Privacy Act of 1974; System... systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This proposed action will... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...

  15. 76 FR 70428 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-11-14

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0120] Privacy Act of 1974... notice from its existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...

  16. 76 FR 62394 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-10-07

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0109] Privacy Act of 1974... notice from its existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a... public is to make these submissions available for public viewing on the Internet at http://www...

  17. 75 FR 10476 - Privacy Act of 1974; Systems of Records

    Science.gov (United States)

    2010-03-08

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2010-OS-0021] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... on the Internet at http://www.regulations.gov as they are received without change, including any...

  18. 76 FR 37329 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-06-27

    ... DEPARTMENT OF DEFENSE Department of the Air Force [Docket ID: USAF-2011-0018] Privacy Act of 1974... of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... public is to make these submissions available for public viewing on the Internet at http://www...

  19. 76 FR 1409 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-01-10

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0001] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... from members of the public is to make these submissions available for public viewing on the Internet at...

  20. 75 FR 81247 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-12-27

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2010-OS-0168] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... public is to make these submissions available for public viewing on the Internet at http://www...

  1. 76 FR 22682 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-04-22

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2011-OS-0044] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... from members of the public is to make these submissions available for public viewing on the Internet at...

  2. 78 FR 73511 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-12-06

    ... DEPARTMENT OF DEFENSE [Docket ID: USN-2013-0046] Privacy Act of 1974; System of Records AGENCY... Privacy Act of 1974, as amended. The system being deleted is N01500-8, System Name: Personnel and Training... Internet at http://www.regulations.gov as they are received without change, including any personal...

  3. 75 FR 29728 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-05-27

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0067] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES... on the Internet at http://www.regulations.gov as they are received without change, including any...

  4. 76 FR 1411 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-01-10

    ... DEPARTMENT OF DEFENSE Department of the Air Force [Docket ID: USAF-2011-0001] Privacy Act of 1974... of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... the public is to make these submissions available for public viewing on the Internet at http://www...

  5. 78 FR 6078 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-01-29

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2013-OS-0011] Privacy Act of 1974... record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This proposed... public is to make these submissions available for public viewing on the Internet at http:// [[Page 6079...

  6. 77 FR 37885 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2012-06-25

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2012-OS-0074] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES... available for public viewing on the Internet at http://www.regulations.gov as they are received without...

  7. 78 FR 60265 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-10-01

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DoD-2013-OS-0201] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, as amended. DATES: This proposed action will... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...

  8. 76 FR 60008 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-09-28

    ... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2011-0023] Privacy Act of 1974; System... existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...

  9. 76 FR 82286 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-12-30

    ... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2011-0028] Privacy Act of 1974; System... record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This proposed... available for public viewing on the Internet at http://www.regulations.gov as they are received without...

  10. 75 FR 16760 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-04-02

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0037] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... on the Internet at http://www.regulations.gov as they are received without change, including any...

  11. 75 FR 17910 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-04-08

    ... DEPARTMENT OF DEFENSE Department of the Navy [Docket ID: USN-2010-0007] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... viewing on the Internet at http://www.regulations.gov as they are received without change, including any...

  12. 78 FR 5788 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-01-28

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2013-OS-0005] Privacy Act of 1974... of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... of the public is to make these submissions available for public viewing on the Internet at http://www...

  13. 77 FR 60400 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2012-10-03

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD-2012-OS-0119] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a(r)), as amended. DATES: This... public is to make these submissions available for public viewing on the Internet at http://www...

  14. 75 FR 33788 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-06-15

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0077] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES... on the Internet at http:// [[Page 33789

  15. 75 FR 63824 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-10-18

    ... DEPARTMENT OF DEFENSE Department of the Air Force [Docket ID: USAF-2010-0026] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... for public viewing on the Internet at http://www.regulations.gov as they are received without change...

  16. 75 FR 33794 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-06-15

    ... DEPARTMENT OF DEFENSE Department of the Army [Docket ID: USA-2010-0013] Privacy Act of 1974... inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... on the Internet at http://www.regulations.gov as they are received without change, including any...

  17. 75 FR 15694 - Privacy Act of 1974; Systems of Records

    Science.gov (United States)

    2010-03-30

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0035] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... on the Internet at http://www.regulations.gov as they are received without change, including any...

  18. 75 FR 65456 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-10-25

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0147] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. [[Page... available for public viewing on the Internet at http://www.regulations.gov as they are received without...

  19. 77 FR 26260 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2012-05-03

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DoD-2012-OS-0030] Privacy Act of 1974... inventory of records systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This... make these submissions available for public viewing on the Internet at http://www.regulations.gov as...

  20. 77 FR 66442 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2012-11-05

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2012-OS-0133] Privacy Act of 1974... existing inventory of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES... Internet at http://www.regulations.gov as they are received without change, including any personal...

  1. 78 FR 14279 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-03-05

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DoD-2013-OS-0040] Privacy Act of 1974... of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... of the public is to make these submissions available for public viewing on the Internet at http://www...

  2. 78 FR 14273 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-03-05

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DoD-2013-OS-0019] Privacy Act of 1974... record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This proposed... public is to make these submissions available for public viewing on the Internet at http://www...

  3. 75 FR 3714 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-01-22

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0004] Privacy Act of 1974... its existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as... available for public viewing on the Internet at http://www.regulations.gov as they are received without...

  4. 76 FR 28002 - Privacy Act of 1974; Systems of Records

    Science.gov (United States)

    2011-05-13

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2011-OS-0052] Privacy Act of 1974... existing inventory of records systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES... the public is to make these submissions available for public viewing on the Internet at http://www...

  5. 76 FR 39394 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-07-06

    ... DEPARTMENT OF DEFENSE Department of the Navy [Docket ID USN-2011-0010] Privacy Act of 1974; System... systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This proposed action will... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...

  6. 77 FR 35945 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2012-06-15

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2012-OS-0067] Privacy Act of 1974... systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: The proposed action will be... Internet at http://www.regulations.gov as they are received without change, including any personal...

  7. 75 FR 69650 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-11-15

    ... DEPARTMENT OF DEFENSE Department of the Army [Docket ID: USA-2010-0026] Privacy Act of 1974... record systems subject to the Privacy Act of 1974, (5 U.S.C. 552a), as amended. DATES: This proposed... from members of the public is to make these submissions available for public viewing on the Internet at...

  8. 78 FR 44102 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-07-23

    ... DEPARTMENT OF DEFENSE Department of the Army [Docket ID: USA-2013-0027] Privacy Act of 1974... of record systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This... of the public is to make these submissions available for public viewing on the Internet at http://www...

  9. 75 FR 62111 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-10-07

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0140] Privacy Act of 1974... records notices in its existing inventory of record systems subject to the Privacy Act of 1974, (5 U.S.C... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...

  10. 78 FR 22525 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-04-16

    ... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2013-0057] Privacy Act of 1974... systems subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. DATES: This proposed action will... submissions available for public viewing on the Internet at http://www.regulations.gov as they are received...

  11. 78 FR 69076 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2013-11-18

    ... Medical Human Resources System internet (DMHRSi). DHA 12 EDHA 12 Third Party Collection System. DHA 16 DoD... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DoD-2013-OS-0216] Privacy Act of 1974... Defense Health Agency's compilation of Privacy Act SORNS. The realignment of the nineteen system...

  12. 78 FR 15731 - Privacy Act of 1974; Computer Matching Program

    Science.gov (United States)

    2013-03-12

    ... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2013-0011] Privacy Act of 1974; Computer Matching Program AGENCY: Department of Homeland Security/U.S. Citizenship and... amended by the Computer Matching and Privacy Protection Act of 1988 (Pub. L. 100-503) and the Computer...

  13. 78 FR 63196 - Sunshine Act Meeting; Open Commission Meeting; Monday, October, 28, 2013

    Science.gov (United States)

    2013-10-23

    ... Creation Act of 2012 (PS Docket No. 12-94); Implementing a Nationwide, Broadband, Interoperable Public... language interpreters, open captioning, and assistive listening devices will be provided on site. Other...

  14. The Vietnamese lending rate, policy-related rate, and monetary policy post-1997 Asian financial crisis

    Directory of Open Access Journals (Sweden)

    Chu V. Nguyen

    2015-12-01

    Full Text Available Asymmetries in the Vietnamese lending central bank’s policy-related rate spread were documented. Empirical results revealed that the spread adjusts to the threshold faster when the central bank’s policy-related rates decrease relative to the lending rates than when the central bank’s policy-related rates move in the opposite direction. Additionally, the empirical findings indicate that Vietnamese commercial banks exhibit competitive rate setting behavior which may be attributable to graft maximization by bank’s management. The results also show bidirectional Granger causality between the Vietnamese lending rate and the central bank’s policy-related rate, indicating that the lending rate and the central bank’s policy-related rate affect each other’s movements. These results suggest that monetary authority can use its countercyclical monetary policy instruments to achieve its macroeconomics objectives. However, the estimation results of the GARCH (2, 3-in-Mean model suggest that they should intervene more frequently and by small policy measures to minimize the conditional variance of the spread to minimize the magnitude of the cycle of the lending rate.

  15. 76 FR 61367 - Medical Device User Fee and Modernization Act; Notice to Public of Web Site Location of Fiscal...

    Science.gov (United States)

    2011-10-04

    .... ACTION: Notice. SUMMARY: The Food and Drug Administration (FDA) is announcing the Web site location where... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2007-N-0270; formerly Docket No. 2007N-0357] Medical Device User Fee and Modernization Act; Notice to Public of Web Site...

  16. Economic policy uncertainty, credit risks and banks lending decisions: Evidence from Chinese commercial banks

    Institute of Scientific and Technical Information of China (English)

    Qinwei Chi; Wenjing Li

    2017-01-01

    Using data for Chinese commercial banks from 2000 to 2014, this paper examines the effects of economic policy uncertainty(EPU) on banks’ credit risks and lending decisions. The results reveal significantly positive connections among EPU and non-performing loan ratios, loan concentrations and the normal loan migration rate. This indicates that EPU increases banks’ credit risks and negatively influences loan size, especially for joint-equity banks. Given the increasing credit risks generated by EPU, banks can improve operational performance by reducing loan sizes. Further research indicates that the effects of EPU on banks’ credit risks and lending decisions are moderated by the marketization level, with financial depth moderating the effect on banks’ credit risks and strengthening it on lending decisions.

  17. How signaling and search costs affect information asymmetry in P2P lending: the economics of big data

    OpenAIRE

    Yan, Jiaqi; Yu, Wayne; Zhao, J. Leon

    2015-01-01

    In the past decade, online Peer-to-Peer (P2P) lending platforms have transformed the lending industry, which has been historically dominated by commercial banks. Information technology breakthroughs such as big data-based financial technologies (Fintech) have been identified as important disruptive driving forces for this paradigm shift. In this paper, we take an information economics perspective to investigate how big data affects the transformation of the lending industry. By identifying ho...

  18. Lending booms, reserves, and the sustainability of short-term debt - inferences from the pricing of syndicated bank loans

    OpenAIRE

    Eichengreen, Barry; Mody, Ashoka

    1999-01-01

    Academics pay little attention to international bank lending, focusing instead on rapidly growing market segments such as the international bond market and derivative credit instruments. The authors argue for paying more attention to international bank lending. Why? Three reasons. First, the syndicated bank loan is one of the workhorses of international capital markets. Second, international bank lending is especially important for private-sector borrowers, whose participation in internationa...

  19. Macroeconomics and FinTech: Uncovering Latent Macroeconomic Effects on Peer-to-Peer Lending

    OpenAIRE

    Foo, Jessica; Lim, Lek-Heng; Wong, Ken Sze-Wai

    2017-01-01

    Peer-to-peer (P2P) lending is a fast growing financial technology (FinTech) trend that is displacing traditional retail banking. Studies on P2P lending have focused on predicting individual interest rates or default probabilities. However, the relationship between aggregated P2P interest rates and the general economy will be of interest to investors and borrowers as the P2P credit market matures. We show that the variation in P2P interest rates across grade types are determined by three macro...

  20. The Impact of Organizational Structure and Lending Technology on Banking Competition

    NARCIS (Netherlands)

    Degryse, H.A.; Laeven, L.; Ongena, S.

    2006-01-01

    Recent theoretical models argue that a bank's organizational structure reflects its lending technology.A hierarchically organized bank will employ mainly hard information, whereas a decentralized bank will rely more on soft information.We investigate theoretically and empirically how bank

  1. A decision support model for investment on P2P lending platform.

    Science.gov (United States)

    Zeng, Xiangxiang; Liu, Li; Leung, Stephen; Du, Jiangze; Wang, Xun; Li, Tao

    2017-01-01

    Peer-to-peer (P2P) lending, as a novel economic lending model, has triggered new challenges on making effective investment decisions. In a P2P lending platform, one lender can invest N loans and a loan may be accepted by M investors, thus forming a bipartite graph. Basing on the bipartite graph model, we built an iteration computation model to evaluate the unknown loans. To validate the proposed model, we perform extensive experiments on real-world data from the largest American P2P lending marketplace-Prosper. By comparing our experimental results with those obtained by Bayes and Logistic Regression, we show that our computation model can help borrowers select good loans and help lenders make good investment decisions. Experimental results also show that the Logistic classification model is a good complement to our iterative computation model, which motivates us to integrate the two classification models. The experimental results of the hybrid classification model demonstrate that the logistic classification model and our iteration computation model are complementary to each other. We conclude that the hybrid model (i.e., the integration of iterative computation model and Logistic classification model) is more efficient and stable than the individual model alone.

  2. Peer monitoring, social ties and moral hazard in group lending programmes : evidence from Eritrea

    NARCIS (Netherlands)

    Hermes, C.L.M.; Lensink, B.W.; Mehrteab, H.T.

    2003-01-01

    In this paper, we provide an empirical analysis of the impact of monitoring and social ties within group lending programs on moral hazard behavior of its participants, based on data from an extensive questionnaire held in Eritrea among participants of 102 groups. We find support for the fact that

  3. A decision support model for investment on P2P lending platform.

    Directory of Open Access Journals (Sweden)

    Xiangxiang Zeng

    Full Text Available Peer-to-peer (P2P lending, as a novel economic lending model, has triggered new challenges on making effective investment decisions. In a P2P lending platform, one lender can invest N loans and a loan may be accepted by M investors, thus forming a bipartite graph. Basing on the bipartite graph model, we built an iteration computation model to evaluate the unknown loans. To validate the proposed model, we perform extensive experiments on real-world data from the largest American P2P lending marketplace-Prosper. By comparing our experimental results with those obtained by Bayes and Logistic Regression, we show that our computation model can help borrowers select good loans and help lenders make good investment decisions. Experimental results also show that the Logistic classification model is a good complement to our iterative computation model, which motivates us to integrate the two classification models. The experimental results of the hybrid classification model demonstrate that the logistic classification model and our iteration computation model are complementary to each other. We conclude that the hybrid model (i.e., the integration of iterative computation model and Logistic classification model is more efficient and stable than the individual model alone.

  4. Peer monitoring, social ties and moral hazard in group lending programs : Evidence from Eritrea

    NARCIS (Netherlands)

    Hermes, N; Lensink, R; Mehrteab, HT

    In this paper, we investigate the impact of monitoring and social ties on moral hazard behavior within group lending programs. Our study is based on data from an extensive questionnaire held in Eritrea among participants of 102 groups. We separately analyze the impact of group leaders and other

  5. Link About It: Information Asymmetry, Knowledge Pooling and Syndication in Project Finance Lending

    NARCIS (Netherlands)

    Contreras, Gaby; Bos, Jaap; Kleimeier, Stefanie

    2018-01-01

    In a collaborative setting, banks have an additional way to deal with asymmetric information between themselves and their borrowers: by pooling information. We explore the extent to which lead arrangers in the project finance syndicated lending market strategically choose their new partners in order

  6. 12 CFR Appendix A to Subpart D of... - Interagency Guidelines for Real Estate Lending

    Science.gov (United States)

    2010-01-01

    ... board of directors. Real estate lending is an integral part of many institutions' business plans and... both internal and external factors in the formulation of its loan policies and strategic plan. Factors... institution's board of directors. (See additional reporting requirements described under “Exceptions to the...

  7. Can governments maintain hard budget contraints? : bank lending and financial isolaton in Romania

    NARCIS (Netherlands)

    Carare, O.V.; Claessens, C.A.M.F.; Perotti, E.C.

    2000-01-01

    This paper examines the empirical evidence on the impact of reforms in the financial sector in Romania in the period 1993-1995. The methodological framework of the paper is based on a theoretical model of intertemporal bank lending in a transition country with uncertain prospects for stabilization

  8. Interbank Lending Decisions in An Economic Downturn: An Agent-Based Approach

    Directory of Open Access Journals (Sweden)

    Deddy P. Koesrindartoto

    2012-01-01

    Full Text Available Interbank lending is one mechanism that can make shock, which is accepted by one bank spread to other banks (contagion. There are several researchers that focused their research on analyzing the effect of interbank lending to systemic risk. However, there is a few research that analyzed the effect of banks’ decision maker’s behavior, especially on the bank interbank lending to the systemic risk. In this research, the author creates an agent-based  simulation of the banking system to analyze the effect of banks’ decision maker’s behavior to systemic risk in economic downturn condition. The preliminary result from this research is for an economic downturn in a long time period, the banking system with a low net worth to the asset's ratio threshold will produce more default bank than the banking system with a high net worth to the asset's ratio threshold. However, for an economic downturn in small time period, banking system which all bank in their system has the higher net worth to assets ratio threshold will have the default bank first than the banking system which has the lower net worth to the asset's ratio threshold. Keywords: agent-based simulation, banker behavior, interbank lending, economic downturn

  9. 13 CFR 120.1900 - When does the Secondary Market Lending Authority Program end?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false When does the Secondary Market Lending Authority Program end? 120.1900 Section 120.1900 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of an SBA Direct Loan Program for Systemically Important Secondary...

  10. 12 CFR 31.2 - Insider lending restrictions and reporting requirements.

    Science.gov (United States)

    2010-01-01

    ... contained in 12 CFR part 215. (b) Enforcement. The Comptroller of the Currency administers and enforces... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Insider lending restrictions and reporting requirements. 31.2 Section 31.2 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY...

  11. 77 FR 39387 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date

    Science.gov (United States)

    2012-07-03

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date. SUMMARY: The Farm Credit Administration (FCA or Agency), through the FCA Board (Board...

  12. 76 FR 29992 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

    Science.gov (United States)

    2011-05-24

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit Administration. ACTION: Final rule. SUMMARY: The... (collectively loan) concentration risks. We expect this final rule will increase the safe and sound operation of...

  13. 75 FR 50936 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

    Science.gov (United States)

    2010-08-18

    ...-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit... sound operation of System institutions by strengthening their risk management practices and abilities to... the establishment of consistent, uniform and prudent concentration risk management policies by System...

  14. Banking Competition and Soft Budget Constraints: How Market Power can Threaten Discipline in Lending

    NARCIS (Netherlands)

    Arping, S.

    2012-01-01

    n imperfectly competitive credit markets, banks can face a tradeoff between exploiting their market power and enforcing hard budget constraints. As market power rises, banks eventually find it too costly to discipline underperforming borrowers by stopping their projects. Lending relationships become

  15. Transforming LEND leadership training curriculum through the maternal and child health leadership competencies.

    Science.gov (United States)

    Humphreys, Betsy P; Couse, Leslie J; Sonnenmeier, Rae M; Kurtz, Alan; Russell, Susan M; Antal, Peter

    2015-02-01

    The purpose of this article is to describe how the Maternal and Child Health (MCH) Leadership Competencies (v 3.0) were used to examine and improve an MCH Leadership Education in Neurodevelopmental and Related Disabilities (LEND) training curriculum for New Hampshire and Maine. Over 15 % of the nation's children experience neurodevelopmental disabilities or special health care needs and estimates suggest 1 in every 68 children is diagnosed with an autism spectrum disorder. Across the Unites States critical shortages of qualified MCH professionals exist, particularly in poor and rural areas. A continued investment in training interdisciplinary leaders is critical. The MCH Leadership Competencies provide an effective foundation for leadership training through identification of requisite knowledge, skills, and dispositions required of MCH leaders. This paper describes a three-step process, which began in 2010 and included utilizing the MCH Leadership Competencies as a tool to reflect on, develop, and evaluate the NH LEND leadership curriculum. Curriculum development was further supported through participation in a multi-state learning collaborative. Through a series of intentional decisions, the curriculum design of NH LEND utilized the competencies and evidence-based principles of instruction to engage trainees in the development of specific MCH content knowledge and leadership skills. The LEND network specifically, and MCH leadership programs more broadly, may benefit from the intentional use of the MCH competencies to assist in curriculum development and program evaluation, and as a means to support trainees in identifying specific leadership goals and evaluating their leadership skill development.

  16. Identifying the mechanism : is there a bank lending channel of monetary transmission in the Netherlands?

    NARCIS (Netherlands)

    Kakes, J

    The paper investigates the role of bank lending in the monetary transmission process in the Netherlands. The Johansen approach is used to identify supply and demand relationships in the credit market, and it is concluded from the short-run dynamics that this market is demand-determined. In this way,

  17. Current Situation of Household Income as a Factor, Having Impact on Mortgage Lending in Mongolia

    Directory of Open Access Journals (Sweden)

    Khuselchimeg Batbileg

    2012-04-01

    Full Text Available Amount of household income is the most important factor for housing loan. The article studies mortgage lending in Ulaanbaatar in 2007–2009, the factor, having great impact on the current economy of Mongolia, carries out the comparative analysis of capital’s medium and low income households and presents methods, which will help to solve these problems.

  18. Group lending and the role of the group leader : Theory and evidence from Eritrea

    NARCIS (Netherlands)

    Eijkel, Remco van; Hermes, Niels; Lensink, Robert

    2007-01-01

    Abstract: This paper investigates the strategic monitoring behaviour within a group lending setting. We develop a theoretical model, showing that monitoring efforts of group members differ from each other in equilibrium, as a result of the asymmetry between these members in terms of the future

  19. 7 CFR 4280.23 - Requirements for lending from Revolving Loan Fund.

    Science.gov (United States)

    2010-01-01

    ... security and recovery of loan losses must provide for the pro rata recovery and distribution between the... 7 Agriculture 15 2010-01-01 2010-01-01 false Requirements for lending from Revolving Loan Fund... BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural...

  20. Nothing special about banks : Competition and bank lending in Britain 1885-1925

    NARCIS (Netherlands)

    Braggion, Fabio; Dwarkasing, Narly; Moore, Lyndon

    2017-01-01

    We investigate the impact of increasing bank concentration on bank loan contracts in a lightly regulated environment. This environment allows us to abstract from possible confounding effects of regulation to focus on the “pure” effects of competition on bank lending. We study over 30,000 British

  1. Integrating Family as a Discipline by Providing Parent Led Curricula: Impact on LEND Trainees' Leadership Competency.

    Science.gov (United States)

    Keisling, Bruce L; Bishop, Elizabeth A; Roth, Jenness M

    2017-05-01

    Background While the MCH Leadership Competencies and family as a discipline have been required elements of Leadership Education in Neurodevelopmental and related Disabilities (LEND) programs for over a decade, little research has been published on the efficacy of either programmatic component in the development of the next generation of leaders who can advocate and care for Maternal and Child Health (MCH) populations. Objective To test the effectiveness of integrating the family discipline through implementation of parent led curricula on trainees' content knowledge, skills, and leadership development in family-centered care, according to the MCH Leadership Competencies. Methods One hundred and two long-term (≥ 300 h) LEND trainees completed a clinical and leadership training program which featured intensive parent led curricula supported by a full-time family faculty member. Trainees rated themselves on the five Basic and Advanced skill items that comprise MCH Leadership Competency 8: Family-centered Care at the beginning and conclusion of their LEND traineeship. Results When compared to their initial scores, trainees rated themselves significantly higher across all family-centered leadership competency items at the completion of their LEND traineeship. Conclusions The intentional engagement of a full-time family faculty member and parent led curricula that include didactic and experiential components are associated with greater identification and adoption by trainees of family-centered attitudes, skills, and practices. However, the use of the MCH Leadership Competencies as a quantifiable measure of program evaluation, particularly leadership development, is limited.

  2. Empirical Analysis of Effects of Bank Mergers and Acquisitions on Small Business Lending in Nigeria

    Science.gov (United States)

    Ita, Asuquo Akabom

    2012-11-01

    Mergers and acquisitions are the major instruments of the recent banking reforms in Nigeria.The effects and the implications of the reforms on the lending practices of merged banks to small businesses were considered in this study. These effects were divided into static and dynamic effects (restructuring, direct and external). Data were collected by cross-sectional research design and were subsequently analyzed by the ordinary least square (OLS) method.The analyses show that bank size, financial characteristics and deposit of non-merged banks are positively related to small business lending. While for the merged banks, the reverse is the case. From the above result, it is evident that merger and acquisition have not only static effect on small business lending but also dynamic effect, therefore, given the central position of small businesses in the current government policy on industrialization in Nigeria, policy makers in Nigeria, should consider both the static and dynamic effects of merger and acquisition on small business lending in their policy thrust.

  3. Priority Queuing on the Docket: Universality of Judicial Dispute Resolution Timing

    Directory of Open Access Journals (Sweden)

    Satyam Mukherjee

    2018-01-01

    Full Text Available This paper analyzes court priority queuing behavior by examining the time lapse between when a case enters a court's docket and when it is ultimately disposed of. Using data from the Supreme courts of the United States, Massachusetts, and Canada we show that each court's docket features a slow decay with a decreasing tail. This demonstrates that, in each of the courts examined, the vast majority of cases are resolved relatively quickly, while there remains a small number of outlier cases that take an extremely long time to resolve. We discuss the implications for this on legal systems, the study of the law, and future research.

  4. 40 CFR 1612.3 - Published reports and material contained in the public incident investigation dockets.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Published reports and material... Published reports and material contained in the public incident investigation dockets. (a) Demands for published investigation reports should be directed to the Office of Congressional and Public Affairs, U.S...

  5. 75 FR 57782 - Registration Review; Pesticide Dockets Opened for Review and Comment; Amended Work Plan for...

    Science.gov (United States)

    2010-09-22

    ... announcing that the docket for formetanate hydrochloride, which was planned for September 2010, has been... hydrochloride, which was planned for September 2010, has been postponed until December 2010. Table 1... (7417) EPA-HQ-OPP-2010-0214 Carissa Cyran, (703) 347-8781, [email protected] Sodium cyanide (8002...

  6. The difference between lending interest rate and funds interest rate. Link with sustainable banking. Particularities of Romanian Market

    Directory of Open Access Journals (Sweden)

    Cristian Gheorghe Iacob

    2015-05-01

    Full Text Available The article, is trying to capture the way difference between active and passive interest rates influence macroeconomic sustainable development in a country. However the theory is limited on this area and the author is intending to merge practical aspects with conceptual terms. The role of banks in an economy is very important, as all inflows and outflows are done through financial institutions. Bank sustainability is the area of study and practice that captures the contribution of banks in sustainable development of a country. Banking instruments are the means by which banks are present and act in the economy. Banking techniques are the mechanisms of banking instruments. The most important banking instruments are the loans and the deposits. So banks take deposits from different entities and use them as resource to finance other entities. A bank is considered contributing to sustainable development, if lending divisions allocates resources to investments that bring long-term welfare to the community not only for today people, but for future generations. Therefore, we can establish a correlation between banking sustainability and sustainable development through the evolution of banking instruments. Looking to detail, bank sustainability is highly affected by the local macroeconomic issues, but also from global influences.

  7. 76 FR 52992 - Notice of Acceptance for Docketing of the Application and Notice of Opportunity for Hearing...

    Science.gov (United States)

    2011-08-24

    ... NUCLEAR REGULATORY COMMISSION [NRC-2011-0166; Docket Numbers 50-352 and 50-353] Notice of Acceptance for Docketing of the Application and Notice of Opportunity for Hearing Regarding Renewal of Facility Operating License Nos. NPF-39 and NPF-85 for an Additional 20-Year Period, Exelon Generation Company, LLC, Limerick Generating Station The U.S....

  8. 20 CFR 501.8 - Clerk of the Office of the Appellate Boards; docket of proceedings; records.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Clerk of the Office of the Appellate Boards; docket of proceedings; records. 501.8 Section 501.8 Employees' Benefits EMPLOYEES' COMPENSATION APPEALS BOARD, DEPARTMENT OF LABOR RULES OF PROCEDURE § 501.8 Clerk of the Office of the Appellate Boards; docket of proceedings; records. (a) Location...

  9. Title list, publicly available documents: Three Mile Island Unit 1, Docket 50-289 - cumulated to November 16, 1979

    International Nuclear Information System (INIS)

    1979-01-01

    This title list of publicly available documents pertaining to Three Mile Island Unit 1, Docket 50-289, includes all documents pertaining to this Docket that had been filed in the NRC Public Document Room as of November 16, 1979. The categories used for filing and searching in the NRC Public Document Room are used to catalog the entries

  10. 14 CFR 11.35 - Does FAA include sensitive security information and proprietary information in the Federal Docket...

    Science.gov (United States)

    2010-01-01

    ... RULEMAKING PROCEDURES Rulemaking Procedures General § 11.35 Does FAA include sensitive security information and proprietary information in the Federal Docket Management System (FDMS)? (a) Sensitive security information. You should not submit sensitive security information to the rulemaking docket, unless you are...

  11. 75 FR 22602 - Front-of-Pack and Shelf Tag Nutrition Symbols; Establishment of Docket; Request for Comments and...

    Science.gov (United States)

    2010-04-29

    ... Obesity Among U.S. Adults,'' 1999 to 2008, Journal of the American Medical Association, 2010;303(3):235... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2010-N-0210... Information AGENCY: Food and Drug Administration, HHS. ACTION: Notice; establishment of docket; request for...

  12. The relative efficiency of bank branches in lending and borrowing: An application of data envelopment analysis

    Directory of Open Access Journals (Sweden)

    G van der Westhuizen

    2014-08-01

    Full Text Available The relative efficiency of fifty-two branches of a small South African bank was estimated using Data Envelopment Analysis (DEA.  A factor responsible for the difference in efficiency between branches might be the difference in managing the asset (loans and the liability (deposit side of the balance sheet.  For this reason, the relative efficiency of the lending and borrowing activities was also estimated and compared to the relative efficiency of the combined (lending and borrowing activities.In the case of the efficiency estimates for loans and deposits, the indications are that the branches were more efficient in managing the liability side (deposits than  in managing the asset side (loans.  This means that purchased funds were not utilised efficiently.

  13. Mortgage lending and house prices in Albania - a co-integrated analysis based on VECM

    Directory of Open Access Journals (Sweden)

    Erjona REBI

    2014-06-01

    Full Text Available The general view that the banks’ lending plays a crucial role in the real estate market was again confirmed during the recent financial crisis. During the precrisis period, house prices in Albania increased rapidly, supported also by a fast expansion of mortgage lending. This study aims to empirically analyse the relation between housing prices and banks’ financing in the long run, referring to a VECM model. The estimated results confirm the important role of mortgage to house prices. Meanwhile, the relation between house prices and interest rates resulted statistically insignificant. Unlike the previous literature, exchange rate has been included as an endogenous variable. Results show positive correlation and statistical significance between house prices and exchange rate. Finally, this paper is expected to contribute to the literature as there are very few studies that elaborate on the macroeconomic factors’ influence on the housing prices in Albania.

  14. IDENTIFYING BANK LENDING CHANNEL IN INDONESIA: A VECTOR ERROR CORRECTION APPROACH WITH STRUCTURAL BREAK

    Directory of Open Access Journals (Sweden)

    Akhsyim Afandi

    2017-03-01

    Full Text Available There was a question whether monetary policy works through bank lending channelrequired a monetary-induced change in bank loans originates from the supply side. Mostempirical studies that employed vector autoregressive (VAR models failed to fulfill thisrequirement. Aiming to offer a solution to this identification problem, this paper developed afive-variable vector error correction (VEC model of two separate bank credit markets inIndonesia. Departing from previous studies, the model of each market took account of onestructural break endogenously determined by implementing a unit root test. A cointegrationtest that took account of one structural break suggested two cointegrating vectors identifiedas bank lending supply and demand relations. The estimated VEC system for both marketssuggested that bank loans adjusted more strongly in the direction of the supply equation.

  15. Kyiv institutional buildings sector energy efficiency program: Lending and implementation assessment

    Energy Technology Data Exchange (ETDEWEB)

    Secrest, T.J.; Freeman, S.L. [Pacific Northwest National Lab., Richland, WA (United States); Popelka, A. [Tysak Engineering, Acton, MA (United States); Shestopal, P.A.; Gagurin, E.V. [Agency for Rational Energy Use and Ecology, Kyiv (Ukraine)

    1997-08-01

    The government of Ukraine, through the State Committee of Energy Conservation (State Committee), is considering the implementation of energy efficiency measures in state and municipal institutional buildings in the city of Kyiv. The State Committee entered into a Memorandum of Cooperation with the US Department of Energy (DOE) to conduct an assessment of the institutional buildings sector efficiency potential. This assessment will be used to support a potential loan by the World Bank for implementing a buildings efficiency improvement program in Kyiv. This report provides an assessment of the options for structuring the lending scenarios and the implementation of the program. Components to the lending structure are options for the disbursement of funds, options for the loan service, and other financial options and considerations. Program implementation includes management structures, reporting, installation activities, and post-installation activities such as training and verification.

  16. Lending Competition and Relationship Banking: Evidence from Japanese Prefectural Level Data

    OpenAIRE

    Ogura, Yoshiaki; Yamori, Nobuyoshi

    2009-01-01

    The question of whether more competition among banks increases relationship banking, which is predicted to improve credit availability for informationally opaque firms in theory, is a controversial issue in the banking literature. By using firm-level survey data in Japan, this paper provides evidence for the negative correlation between lending competition and the provision of relationship banking . This paper raises the question whether fierce interbank competition is always beneficial for...

  17. Relationship lending, hierarchical distance and credit tightening: Evidence from the financial crisis

    OpenAIRE

    M. Cotugno; S. Monferrà; G. Sampagnaro

    2013-01-01

    This paper examines the firms’ credit availability during the 2007–2009 financial crisis using a dataset of 5331 bank–firm relationships provided by borrowers’ credit folders of three Italian banks. It aims to test whether a strong lender–borrower relationship can produce less credit rationing for borrowing firms even during a credit crunch period. The results show that exclusivity of the relationship can mitigate the firm credit rationing. We also verify the influence of lending organization...

  18. Computer Simulation Lends New Insights Into Cyanide-Caused Cardiac Toxicity

    Science.gov (United States)

    2004-12-01

    current, ICl,sw is needed to terminate VF. There are several drugs that block ICl,sw. 5. DISCUSSION Exposure to CN has immediate consequences ...the search on the requirements on the means of pharmacological intervention to counter the effect of cyanide-caused cardiac toxicity . Of special...COMPUTER SIMULATION LENDS NEW INSIGHTS INTO CYANIDE-CAUSED CARDIAC TOXICITY C.K. Zoltani* U.S. Army Research Laboratory Computational and

  19. In lands of foreign currency credit, bank lending channels run through?

    OpenAIRE

    Ongena, Steven; Schindele, Ibolya; Vonnák, Dzsamila

    2014-01-01

    We analyze the differential impact of domestic and foreign monetary policy on the local supply of bank credit in domestic and foreign currencies. We analyze a novel, supervisory dataset from Hungary that records all bank lending to firms including its currency denomination. Accounting for time-varying firm-specific heterogeneity in loan demand, we find that a lower domestic interest rate expands the supply of credit in the domestic but not in the foreign currency. A lower foreign interest rat...

  20. Do capital buffers mitigate volatility of bank lending? A simulation study

    OpenAIRE

    Heid, Frank; Krüger, Ulrich

    2011-01-01

    Critics claim that capital requirements can exacerbate credit cycles by restricting lending in an economic downturn. The introduction of Basel 2, in particular, has led to concerns that risksensitive capital charges are highly correlated with the business cycle. The Basel Committee is contemplating a revision of the Basel Accord by introducing counter-cyclical capital buffers. Others claim that capital buffers are already large enough to absorb fluctuations in credit risk. We address the ques...

  1. The Sharing Economy and Collaborative Finance: the Case of P2p Lending in Vietnam

    OpenAIRE

    Uyen, Tran Dinh; Ha, Hoang

    2017-01-01

    Peer-to-peer Online Lending (P2PO) has received increasing attention over the last years, not only because of its disruptive nature and its disintermediation of nearly all major banking functions, but also because of its rapid growth and expanding breadth of services. This model offers a new way of investing in addition to investing in traditional channels such as banking or financial company. The transaction process is done online, the personal information and terms of mobilization are compl...

  2. The Evolution and the Effects of Bank Lending and Arrears in Romania

    Directory of Open Access Journals (Sweden)

    Florina Oana VIRLANUTA

    2014-08-01

    Full Text Available During the early stages of the economic crisis that hit Romania, significant imbalances occurred in all industries. Its effects had a more dramatic impact in the banking system; especially concerning bank lending which was not only adversely affected by the crisis but it was the crisis itself. In this regard, we conducted an analysis of the credit system in Romania, the implications of non-performing loans on bank performance.

  3. Determinants of default in p2p lending: the Mexican case

    Directory of Open Access Journals (Sweden)

    Carlos Eduardo Canfield

    2018-03-01

    Full Text Available P2P lending is a new method of informal finance that uses the internet to directly connect borrowers with on-line communities. With a unique dataset provided by Prestadero, the largest on-line lending platform with national presence in Mexico, this research explores the effect of credit scores and other variables related to loan and borrower´s traits, in determining default behavior in P2P lending. Moreover, using a logistic regression model, it tested whether investors might benefit from screening loan applicants by gender after controlling for loan quality. The results showed that information provided by the platform is relevant for analyzing credit risk, yet not conclusive. In congruence with the literature, on a scale going from the safest to the riskiest, loan quality is positively associated with default behavior. Other determinants for increasing the odds of default are the payment-to-income ratio and refinancing on the same platform. On the contrary loan purpose and being a female applicant reduce such odds. No categorical evidence for differential default behavior was found for gender´s case-discrimination, under equal credit conditions. However it was found that controlling for loan quality, women have longer loan survival times than men. This is one of the first studies about debt crowdfunding in Latin America and Mexico. Implications for lenders, researchers and policy-makers are also discussed.

  4. The group-lending model and social closure: microcredit, exclusion, and health in Bangladesh.

    Science.gov (United States)

    Schurmann, Anna T; Johnston, Heidi Bart

    2009-08-01

    According to social exclusion theory, health risks are positively associated with involuntary social, economic, political and cultural exclusion from society. In this paper, a social exclusion framework has been used, and available literature on microcredit in Bangladesh has been reviewed to explore the available evidence on associations among microcredit, exclusion, and health outcomes. The paper addresses the question of whether participation in group-lending reduces health inequities through promoting social inclusion. The group-lending model of microcredit is a development intervention in which small-scale credit for income-generation activities is provided to groups of individuals who do not have material collateral. The paper outlines four pathways through which microcredit can affect health status: financing care in the event of health emergencies; financing health inputs such as improved nutrition; as a platform for health education; and by increasing social capital through group meetings and mutual support. For many participants, the group-lending model of microcredit can mitigate exclusionary processes and lead to improvements in health for some; for others, it can worsen exclusionary processes which contribute to health disadvantage.

  5. The Group-lending Model and Social Closure: Microcredit, Exclusion, and Health in Bangladesh

    Science.gov (United States)

    Johnston, Heidi Bart

    2009-01-01

    According to social exclusion theory, health risks are positively associated with involuntary social, economic, political and cultural exclusion from society. In this paper, a social exclusion framework has been used, and available literature on microcredit in Bangladesh has been reviewed to explore the available evidence on associations among microcredit, exclusion, and health outcomes. The paper addresses the question of whether participation in group-lending reduces health inequities through promoting social inclusion. The group-lending model of microcredit is a development intervention in which small-scale credit for income-generation activities is provided to groups of individuals who do not have material collateral. The paper outlines four pathways through which microcredit can affect health status: financing care in the event of health emergencies; financing health inputs such as improved nutrition; as a platform for health education; and by increasing social capital through group meetings and mutual support. For many participants, the group-lending model of microcredit can mitigate exclusionary processes and lead to improvements in health for some; for others, it can worsen exclusionary processes which contribute to health disadvantage. PMID:19761085

  6. P2P Network Lending, Loss Given Default and Credit Risks

    Directory of Open Access Journals (Sweden)

    Guangyou Zhou

    2018-03-01

    Full Text Available Peer-to-peer (P2P network lending is a new mode of internet finance that still holds credit risk as its main risk. According to the internal rating method of the New Basel Accord, in addition to the probability of default, loss given default is also one of the important indicators of evaluation credit risks. Proceeding from the perspective of loss given default (LGD, this paper conducts an empirical study on the probability distribution of LGDs of P2P as well as its influencing factors with the transaction data of Lending Club. The results show that: (1 the LGDs of P2P loans presents an obvious unimodal distribution, the peak value is relatively high and tends to concentrate with the decrease of the borrower’s credit rating, indicating that the distribution of LGDs of P2P lending is similar to that of unsecured bonds; (2 The total asset of the borrower has no significant impact on LGD, the credit rating and the debt-to-income ratio exert a significant negative impact, while the term and amount of the loan produce a relatively strong positive impact. Therefore, when evaluating the borrower’s repayment ability, it is required to pay more attention to its assets structure rather than the size of its total assets. When carrying out risk control for the P2P platform, it is necessary to give priority to the control of default rate.

  7. 17 CFR 240.3a5-3 - Exemption from the definition of “dealer” for banks engaging in securities lending transactions.

    Science.gov (United States)

    2010-04-01

    ... effects securities lending transactions, and any securities lending services in connection with such... replaced within one business day by another lending or borrowing transaction involving the same securities... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Exemption from the definition...

  8. 75 FR 67700 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-11-03

    ... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2010-0023] Privacy Act of 1974; System... Medical Examination with supporting documentation, the Report of Medical History, and any other reporting... Report of Medical Examination with supporting documentation, the Report of Medical History, and any other...

  9. 76 FR 26714 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-05-09

    ... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2011-0010] Privacy Act of 1974; System... specialty, credit hours accumulated, examination and lesson course completion status, assignment history... history, student academic status, curricula, course description, scheduling, testing, academic, graduation...

  10. 75 FR 36644 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-06-28

    ... DEPARTMENT OF DEFENSE Department of the Army [Docket ID: USA-2010-0014] Privacy Act of 1974... prisoner, mail records; personal history records; individual prisoner utilization records; requests for... recommendations; request to transfer prisoner; social history; clemency and parole actions; psychologist's report...

  11. 76 FR 46767 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-08-03

    ...: The Department of the Army proposes to add a system of records to its inventory of record systems... provides a student management system that integrates Web-enabled courseware to support online certification... DEPARTMENT OF DEFENSE Department of the Army [Docket ID USA-2011-0019] Privacy Act of 1974; System...

  12. 75 FR 77849 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-12-14

    ... Agency, Defense Threat Reduction Agency, Missile Defense Organization, Pentagon Force Protection Agency... DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID: DOD-2010-OS-0160] Privacy Act of 1974; System of Records AGENCY: Office of the Secretary of Defense, DoD. ACTION: Notice to add a system of...

  13. 77 FR 66935 - Telephone Consumer Protection Act of 1991

    Science.gov (United States)

    2012-11-08

    ... FEDERAL COMMUNICATIONS COMMISSION 47 CFR Part 64 [CG Docket No. 02-278; FCC 12-21] Telephone Consumer Protection Act of 1991 AGENCY: Federal Communications Commission. ACTION: Final rule; correction...: Karen Johnson, Consumer and Governmental Affairs Bureau, Consumer Policy Division, at (202) 418- 7706 or...

  14. 78 FR 64196 - Privacy Act Altered System of Records

    Science.gov (United States)

    2013-10-28

    ... records to COMMERCE/DEPARTMENT-20, Biographical Files and Social Networks. The amendment serves to modify... DEPARTMENT OF COMMERCE [Docket No. 130730666-3877-02] Privacy Act Altered System of Records AGENCY: Department of Commerce. ACTION: Notice; Commerce/Department-20, Biographical Files. SUMMARY: The Department...

  15. 75 FR 59099 - Cable Television Act of 1992

    Science.gov (United States)

    2010-09-27

    ... FEDERAL COMMUNICATIONS COMMISSION 47 CFR Part 76 [MM Docket No. 92-266, FCC 95-397] Cable Television Act of 1992 AGENCY: Federal Communications Commission. ACTION: Final rule; announcement of effective date. SUMMARY: This document announces the effective date of rules published in the Federal...

  16. 78 FR 11988 - Cable Television Act of 1992

    Science.gov (United States)

    2013-02-21

    ... FEDERAL COMMUNICATIONS COMMISSION 47 CFR Part 76 [MM Docket No. 92-266, FCC 95-397] Cable Television Act of 1992 AGENCY: Federal Communications Commission. ACTION: Final rule; announcement of effective date. SUMMARY: This document announces the effective date of rules published in the Federal...

  17. 78 FR 11987 - Cable Television Act of 1992

    Science.gov (United States)

    2013-02-21

    ... FEDERAL COMMUNICATIONS COMMISSION 47 CFR Part 76 [MM Docket Nos. 92-266 and 93-215, FCC 94-286] Cable Television Act of 1992 AGENCY: Federal Communications Commission. ACTION: Final rule; announcement of effective date. SUMMARY: This document announces the effective date of rules published in the...

  18. Privacy Act

    Science.gov (United States)

    Learn about the Privacy Act of 1974, the Electronic Government Act of 2002, the Federal Information Security Management Act, and other information about the Environmental Protection Agency maintains its records.

  19. 78 FR 63408 - Petition To Amend Animal Welfare Act Regulations To Prohibit Public Contact With Big Cats, Bears...

    Science.gov (United States)

    2013-10-24

    ... Inspection Service 9 CFR Parts 2 and 3 [Docket No. APHIS-2012-0107] Petition To Amend Animal Welfare Act... the comment period for a petition requesting amendments to the Animal Welfare Act regulations and... notice \\1\\ making available for comment a petition requesting amendments to the Animal Welfare Act...

  20. 78 FR 1306 - Transition Period Under Section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act

    Science.gov (United States)

    2013-01-08

    ... DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency [Docket ID OCC-2013-0001] Transition Period Under Section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act AGENCY... Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) prohibits providing Federal...

  1. 78 FR 35429 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-06-12

    ... other evidence of repayment ability.\\3\\ \\2\\ Inside Mortg. Fin., The 2011 Mortgage Market Statistical..., refinancing became more difficult and delinquency rates on subprime and Alt-A products increased dramatically... peaked at 2.5 percent in late 2007.\\5\\ As the economy worsened, the rates of serious delinquency (90 or...

  2. 77 FR 54844 - High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act...

    Science.gov (United States)

    2012-09-06

    ... comment deadline regarding the proposed changes to the finance charge definition of September 7, 2012, by... account for the implications of a more inclusive finance charge on the scope of HOEPA coverage, see.... 1026.32(b)) to account for an expanded finance charge, and also seeks comment on the timing of...

  3. 78 FR 6407 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-01-30

    ..., and child support; (7) the monthly debt-to-income ratio or residual income; and (8) credit history... concerns were heightened as mortgage delinquencies and foreclosure rates increased dramatically, caused in... to repay.\\6\\ Subprime products were sold primarily to consumers with poor or no credit history...

  4. Who receives bank loans? A study of lending officers' assessments of loans to growing small and medium-sized enterprises

    OpenAIRE

    Bruns, Volker

    2004-01-01

    This thesis explores factors that influence lending officers' assessments of credit requests from growing small and medium-sized enterprises (SMEs). Building on asymmetric information theory, factors identified in previous research are grouped into the theoretical categories of risk-assessment, risk-alignment, and risk-shifting. Hypotheses are developed as to what influences lending officers' credit assessments. In addition, it is hypothesized that risk-taking proclivity interacts with other ...

  5. 77 FR 64514 - Sunshine Act Meeting; Open Commission Meeting; Wednesday, October 17, 2012

    Science.gov (United States)

    2012-10-22

    ... Middle Class Tax Relief and Job AFFAIRS. Creation Act of 2012 (CG Docket No. 12-129); Establishment of a... Class Tax Relief and Job Creation Act of 2012. 3 OFFICE OF Title: Amendment of Part 27 of ENGINEERING... other mobility aids. Sign language interpreters, open captioning, and assistive listening devices will...

  6. 75 FR 32483 - Prescription Drug User Fee Act; Meetings on Reauthorization; Request for Notification of...

    Science.gov (United States)

    2010-06-08

    .../Legislation/FederalFoodDrugandCosmeticActFDCAct/SignificantAmendmentstotheFDCAct/FoodandDrugAdministration... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2010-N-0128] Prescription Drug User Fee Act; Meetings on Reauthorization; Request for Notification of Stakeholder Intention...

  7. 76 FR 31350 - Cruise Vessel Safety and Security Act of 2010, Available Technology

    Science.gov (United States)

    2011-05-31

    ... DEPARTMENT OF HOMELAND SECURITY Coast Guard [Docket No. USCG-2011-0357] Cruise Vessel Safety and Security Act of 2010, Available Technology AGENCY: Coast Guard, DHS. ACTION: Notice of request for comments... Security and Safety Act of 2010(CVSSA), specifically related to video recording and overboard detection...

  8. 77 FR 12641 - Privacy Act of 1974; System of Records Notice

    Science.gov (United States)

    2012-03-01

    ..., DC 20590. For privacy issues, please contact: Claire W. Barrett (202-366-8135), Departmental Chief... DEPARTMENT OF TRANSPORTATION Office of the Secretary [Docket No. DOT-RITA-2012-0001] Privacy Act... the Privacy Act of 1974, the Department of Transportation proposes to add a new system of records...

  9. 77 FR 43100 - Privacy Act of 1974; Department of Homeland Security, Federal Emergency Management Agency-009...

    Science.gov (United States)

    2012-07-23

    ... Homeland Security, Washington, DC 20478. For privacy issues, please contact: Mary Ellen Callahan (703) 235... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0097] Privacy Act of... Assistance Grant Programs System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of Privacy Act system...

  10. 77 FR 43639 - Privacy Act of 1974, as Amended; Computer Matching Program (Social Security Administration (SSA...

    Science.gov (United States)

    2012-07-25

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2011-0090] Privacy Act of 1974, as Amended; Computer Matching Program (Social Security Administration (SSA)/Department of Veterans Affairs (VA.... SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Pub. L. 100-503...

  11. 77 FR 54943 - Privacy Act of 1974, as Amended; Computer Matching Program (Social Security Administration (SSA...

    Science.gov (United States)

    2012-09-06

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0016] Privacy Act of 1974, as Amended; Computer Matching Program (Social Security Administration (SSA)/Department of Veterans Affairs (VA.... SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Pub. L. 100-503...

  12. 75 FR 5166 - Privacy Act of 1974, as Amended; Computer Matching Program (Social Security Administration...

    Science.gov (United States)

    2010-02-01

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2009-0043] Privacy Act of 1974, as Amended; Computer Matching Program (Social Security Administration/Railroad Retirement Board (SSA/RRB))-- Match... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 Public Law (Pub. L.) 100-503...

  13. 76 FR 79195 - Animal Drug User Fee Act; Reopening of the Comment Period

    Science.gov (United States)

    2011-12-21

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2011-N-0656] Animal Drug User Fee Act; Reopening of the Comment Period AGENCY: Food and Drug Administration, HHS... notice, FDA requested comments on the Animal Drug User Fee Act (ADUFA) program to date and solicited...

  14. The Development of Strategic Bank Lending Industries in the Context of Globalization

    Directory of Open Access Journals (Sweden)

    Oksana Markovna Kramarenko

    2015-09-01

    Full Text Available It is shown that, in the context of globalization, improved credit support for strategic sectors of the economy (for example, shipbuilding can be achieved through the creation of a banking consortium based around leasing. A dialectical method of resolution of system tasks is selected as the methodological approach. Methods used include: comparative cost analysis of the strategic lending industry supporting the formation and development of a banking consortium; integrated method at the condition modeling of making and implementation of a lease agreement, which allowed to accommodate the interests for both parties of such agreement; optimization method to select the conditions of a lease agreement; classification and analytical method to clarify the classification of lease. The study proved and developed a plan of creation a banking consortium, including options of interaction of such consortium with potential customers based on a lease agreement. The process of functioning of the lease agreement in order to optimize it for both a bank consortium-lessor and a lessee is modeled. The significant advantages of leasing compared to the traditional lending for both parties of leasing, especially when ensuring long-term projects are summarized. The results of the research can be applied in the strategic lending industries development and can reduce the level of banking risks. Applying the results of the research in the social aspect can maintain and increase the number of jobs including the banking sector. The value of the work leis in the fact that the author has developed a new approach to achive the credit support for strategic sectors of the economy through the creation of the banking consortium based around leasing, which allows to protect the interests of both parties.

  15. From lending to learning the development and extension of public libraries

    CERN Document Server

    O'Beirne, Rónán

    2010-01-01

    From Lending to Learning provides a theoretical overview and practical guide to the functional area of delivering learning services within public libraries. It traces the development of public library service delivery and critically appraises the inherent tension between offering an educational-focused or leisure-focused library. The current and future policy directions are explored against the backdrop of the emerging learning society. A general overview of recent developments in learning theory is followed by an insight into the learning landscape. The issues and practicalities of setting up

  16. Peer-to-Peer Lending in Surabaya: How It Drives Regional Economy?

    OpenAIRE

    Mahardhika, Galih Satria

    2017-01-01

    Financial technology, or so called as “Fintech”, has been remarked as a disruptive idea that changed our current financial system. In Indonesia, one of the emerging financial practices related to Fintech is the online-based peer-to-peer lending (P2PL). This research has two objectives: to explore current scheme of P2PL in Surabaya and to learn how P2PL drives the economy of Surabaya. To meet the objectives, numbers of existing papers are being reviewed related to the matter of P2PL and Micro,...

  17. Correlates of lending needles/syringes among HIV-seropositive injection drug users.

    Science.gov (United States)

    Metsch, Lisa R; Pereyra, Margaret; Purcell, David W; Latkin, Carl A; Malow, Robert; Gómez, Cynthia A; Latka, Mary H

    2007-11-01

    Among HIV-positive injection drug users (IDUs), we examined the correlates of lending needles/syringes with HIV-negative and unknown status injection partners. HIV-positive IDUs (N=738) from 4 cities in the United States who reported injection drug use with other IDUs in the past 3 months participated in an audio computer-assisted self-administered interview. Eighteen percent of study participants self-reported having lent their needles to HIV-negative or unknown status injection partners. Multivariate analyses showed that 6 variables were significantly associated with this high-risk injecting practice. Older IDUs, high school graduates, and those reporting more supportive peer norms for safer drug use were less likely to lend needles/syringes. Admission to a hospital for drug treatment in the past 6 months, having injected with >1 person in the past 3 months, and having more psychiatric symptoms were all associated with more risk. These findings underscore the need for a continued prevention focus on HIV-positive IDUs that recognizes the combination of drug use, mental health factors, and social factors that might affect this high-risk injecting practice, which could be associated with HIV and hepatitis C transmission.

  18. Lending Groups and Different Social Capitals in Developed and Developing Countries

    Directory of Open Access Journals (Sweden)

    Diego A. B. Marconatto

    2016-11-01

    Full Text Available Lending groups (LGs and social capital are two central elements to the many microfinance solutions operating around the world. However, LG effectiveness in reducing transaction costs and lending risks for microfinance institutions (MFIs is mediated by institutional environments. Starting from this assumption, we discuss the existent interactions between the institutional environments of developed (Anglo-Saxon and communitarian and developing countries with different stocks of social capital (individual, network and institutional and the influences of this interaction on LG effectiveness. In order to do so, we applied the institutional perspective of O. Williamson to build a theoretical framework to examine the interaction of all these conditions, allowing for analysis of their main relations within the microfinance context. Based on this framework, we propose on the one hand that in developing and Anglo-Saxon developed nations, stocks of both individual and network social capital are the most important for an LG’s effectiveness. However, in Anglo-Saxon countries, these two stocks of social capital are complemented by formal contracting devices. In communitarian developed countries, on the other hand, the stocks of institutional social capital have a stronger positive impact on LG dynamics.

  19. Safety evaluation report related to the operation of River Bend Station (Docket No. 50-458)

    International Nuclear Information System (INIS)

    1984-05-01

    The Safety Evaluation Report for the application filed by the Gulf States Utilities Company, as applicant and owner, for a license to operate the River Bend Station (Docket No. 50-458) has been prepared by the Office of Nuclear Reactor Regulation of US Nuclear Regulatory Commission. The facility is located near St. Francisville, Louisiana. Subject to favorable resolution of the items discussed in this report, the NRC staff concludes that the facility can be operated by the applicant without endangering the health and safety of the public

  20. ACTS 2014

    DEFF Research Database (Denmark)

    Co-curator of ACTS 2014 together with Rasmus Holmboe, Judith Schwarzbart and Sanne Kofoed. ACTS is the Museum of Contemporary Art’s international bi-annual festival. ACTS was established in 2011 and, while the primary focus is on sound and performance art, it also looks toward socially oriented art....... For the 2014 festival, the museum has entered into a collaboration with the Department for Performance Design at Roskilde University – with continued focus on sound and performance art, and social art in public spaces. With ACTS, art moves out of its usual exhibition space and instead utilizes the city, its...... various possibilities and public spaces as a stage. ACTS takes place in and around the museum and diverse locations in Roskilde city. ACTS is partly curated by the museum staff and partly by guest curators. ACTS 2014 is supported by Nordea-fonden and is a part of the project The Museum goes downtown....

  1. 75 FR 61035 - Community Reinvestment Act Regulations

    Science.gov (United States)

    2010-10-04

    ... Education Lending by Financial Institutions Several commenters noted that education lending, particularly private education lending, is a specialized type of lending engaged in by only a few financial... education loans as including loans originated by financial institutions through a program of the U.S...

  2. 76 FR 67755 - Privacy Act of 1974; Department of Homeland Security U.S. Customs and Border Protection DHS/CBP...

    Science.gov (United States)

    2011-11-02

    ... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0102] Privacy Act of... Data System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of Privacy Act system of records. SUMMARY: In accordance with the Privacy Act of 1974 the Department of Homeland Security proposes to...

  3. Where does the Buck Stop? Community Attitudes to Over-lending and Over-spending

    Directory of Open Access Journals (Sweden)

    James O’Brien

    2009-03-01

    Full Text Available This article explores the results of focus groups and a national survey aimed at discoveringhow ordinary Australians feel about lending and borrowing practices, in the context of highlevels of consumer debt. This research, carried out by The Australia Institute in 2007, found astrong community belief that lenders and regulators, rather than individual consumers, wereprimarily responsible for excessive debt. Many Australians reported feeling uncomfortableabout the way that credit is pushed on vulnerable and ill-informed consumers; advertising andmarketing were believed to be partly responsible for poor financial decision-making. Theauthors propose a number of practical policies to improve the environment in whichconsumers make financial decisions, including a more helpful disclosure regime.

  4. An Exploratory Study On Bank Lending To SME Sector In Bhutan

    Directory of Open Access Journals (Sweden)

    Chokey Wangmo

    2017-11-01

    Full Text Available This study examines the factors used by the banks to determine the outcome of loan applications of Small and Medium Enterprises SMEs in Bhutan. Inaccessibility to financing is one of the biggest challenges faced by the Bhutanese SMEs. This exploratory study is built on in-depth interview of 6 credit officials to understand the lending behaviour of banks towards SMEs. Thematic Analysis revealed that the bank loan accessibility was a function of firm and owner characteristics. The collateral and internal finance was found to be vital in determining SMEs accessibility to bank loans. SMEs inadequate financial information was a serious problem for the banks. Firm age size and industry sector had a positive correlation with bank loan accessibility. The age and educational qualification of borrowers were also found to have a positive relationship while the gender of the owner did not have any effect on bank loan accessibility.

  5. Does gender affect funding success at the peer-to-peer credit markets? Evidence from the largest German lending platform

    OpenAIRE

    Barasinska, Nataliya; Schäfer, Dorothea

    2010-01-01

    Studies of peer-to-peer lending in the USA find that female borrowers have better chances of getting funds than males. Is differential treatment of borrowers of different sexes a common feature of peer-to-peer lendingmarkets or is it subject to specific businessmodels, ways of fixing loan contracts and even national financial systems? We aim at answering this question by providing evidence on loan procurement at the largest German peer-to-peer lending platform Smava.de. Our results show that ...

  6. An Effective Interval-Valued Intuitionistic Fuzzy Entropy to Evaluate Entrepreneurship Orientation of Online P2P Lending Platforms

    Directory of Open Access Journals (Sweden)

    Xiaohong Chen

    2013-01-01

    Full Text Available This paper describes an approach to measure the entrepreneurship orientation of online P2P lending platforms. The limitations of existing methods for calculating entropy of interval-valued intuitionistic fuzzy sets (IVIFSs are significantly improved by a new entropy measure of IVIFS considered in this paper, and then the essential properties of the proposed entropy are introduced. Moreover, an evaluation procedure is proposed to measure entrepreneurship orientation of online P2P lending platforms. Finally, a case is used to demonstrate the effectiveness of this method.

  7. Carbon Risk Analysis Of The South African Banks’ Lending To The JSE100 CDP Companies

    Directory of Open Access Journals (Sweden)

    Alfred Bimha

    2015-11-01

    Full Text Available There is a pertinent concern over the continued lending to companies that are still pursuing projects that increase the amount of carbon emissions in the atmosphere. South Africa has most of its energy generation being done through coal thermal powered turbines. More so there are a number of new power stations being built in South Africa that are coal powered. Coal on the other hand is deemed as having the highest amount of carbon that contributes to the greenhouse effect which in turn affects the climate leading to climate change consequences. There is also a growing concern on the uptake of renewable energy initiatives by companies that are deemed carbon intensive. Banks are being castigated for not using their economic transformation role to champion the agenda of combating climate change caused by carbon emissions. In this study, the extent of lending in the short and long term to carbon intensive companies by South African banks is examined. Using a sample of the Johannesburg Stock Exchange top 100 companies that participate in Carbon Disclosure Project, an analysis is done through four carbon metrics –carbon intensity, carbon dependency, carbon exposure, carbon risk. The analysis used public information from the banks’ websites, South African Reserve Bank reports and other public databases that contain sustainability information of the JSE100 companies. The analysis was done by comparing the carbon metrics of the recognized seven (7 sectorial industry catergories (SIC on the JSE, mainly Energy & Materials, Industrials, Consumer Staples, Consumer Discretionary, Financials, IT & Telecoms and Health Care. The major finding of the research is that there is a high carbon risk in short term loans compared to long term loans across the JSE100 companies that are analysed. More so, the Energy & Materials sector seem to have the highest carbon risk compared to the other sectors.

  8. 75 FR 62623 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Internal Revenue Service (IRS...

    Science.gov (United States)

    2010-10-12

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2010-0015] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Internal Revenue Service (IRS))--Match Number 1016 AGENCY: Social Security... regarding protections for such persons. The Privacy Act, as amended, regulates the use of computer matching...

  9. 77 FR 33547 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Centers for Medicare and Medicaid...

    Science.gov (United States)

    2012-06-06

    ...: Social Security Administration (SSA). ACTION: Notice of a new computer matching program that will expire... protections for such persons. The Privacy Act, as amended, regulates the use of computer matching by Federal... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0015] Privacy Act of 1974, as Amended...

  10. 77 FR 24757 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Department of Labor (DOL))-Match...

    Science.gov (United States)

    2012-04-25

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2011-0083] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Department of Labor (DOL))--Match Number 1015 AGENCY: Social Security... regarding protections for such persons. The Privacy Act, as amended, regulates the use of computer matching...

  11. 77 FR 27108 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Office of Child Support...

    Science.gov (United States)

    2012-05-08

    ...: Social Security Administration (SSA). ACTION: Notice of a renewal of an existing computer matching... protections for such persons. The Privacy Act, as amended, regulates the use of computer matching by Federal... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0010] Privacy Act of 1974, as Amended...

  12. 77 FR 38880 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Railroad Retirement Board (SSA...

    Science.gov (United States)

    2012-06-29

    ... Security Administration (SSA). ACTION: Notice of a renewal of an existing computer matching program that... regarding protections for such persons. The Privacy Act, as amended, regulates the use of computer matching... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0002] Privacy Act of 1974, as Amended...

  13. 77 FR 68768 - Electricity Market Transparency Provisions of Section 220 of the Federal Power Act; Notice of...

    Science.gov (United States)

    2012-11-16

    ... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. RM10-12-000] Electricity Market Transparency Provisions of Section 220 of the Federal Power Act; Notice of Technical Conference...., Washington, DC 20426. \\1\\ Electricity Market Transparency Provisions of Section 220 of the Federal Power Act...

  14. 78 FR 9721 - Privacy Act of 1974; New System of Records, Office of General Counsel E-Discovery Management...

    Science.gov (United States)

    2013-02-11

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5613-N-06-C] Privacy Act of 1974; New System of Records, Office of General Counsel E-Discovery Management System: Republication of System.... SUMMARY: Pursuant to the provision of the Privacy Act of 1974, HUD is providing notice of its formal...

  15. 76 FR 64354 - Burden of Food and Drug Administration Food Safety Modernization Act Fee Amounts on Small...

    Science.gov (United States)

    2011-10-18

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2011-N-0529] Burden of Food and Drug Administration Food Safety Modernization Act Fee Amounts on Small Business... amounts on small business, as set forth in the FDA Food Safety Modernization Act (FSMA). In particular...

  16. 76 FR 45818 - Burden of Food and Drug Administration Food Safety Modernization Act Fee Amounts on Small...

    Science.gov (United States)

    2011-08-01

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2011-N-0529] Burden of Food and Drug Administration Food Safety Modernization Act Fee Amounts on Small Business... burden of fee amounts on small business, as set forth in the FDA Food Safety Modernization Act (FSMA...

  17. 75 FR 8092 - Privacy Act of 1974; Department of Homeland Security/ALL-027 The History of the Department of...

    Science.gov (United States)

    2010-02-23

    ... Policy, U.S. Department of Homeland Security, Washington, DC 20528. For privacy issues please contact... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2009-0040] Privacy Act of... System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of Privacy Act system of records. SUMMARY...

  18. 76 FR 21768 - Privacy Act of 1974; Department of Homeland Security/Office of Health Affairs-001 Contractor...

    Science.gov (United States)

    2011-04-18

    ... Homeland Security, Washington, DC 20520. For privacy issues please contact: Mary Ellen Callahan (703-235... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0013] Privacy Act of... Immunization Records System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of Privacy Act system of...

  19. 78 FR 69858 - Privacy Act of 1974; Department of Homeland Security/Federal Emergency Management Agency-001...

    Science.gov (United States)

    2013-11-21

    ... Emergency Management Agency, 500 C Street SW., Washington, DC 20475. For privacy issues please contact... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2013-0077] Privacy Act of..., Privacy Office. ACTION: Notice of Privacy Act System of Records. SUMMARY: In accordance with the Privacy...

  20. 76 FR 49500 - Privacy Act of 1974; Department of Homeland Security United States Coast Guard-020 Substance...

    Science.gov (United States)

    2011-08-10

    ... 7101 Washington, DC 20593. For privacy issues please contact: Mary Ellen Callahan (703-235-0780), Chief... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0053] Privacy Act of... Treatment Program System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of Privacy Act system of...

  1. 75 FR 9012 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/U.S. Department of Health and...

    Science.gov (United States)

    2010-02-26

    ... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Pub. L. 100-503), amended... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2009-0052] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ U.S. Department of Health and Human Services (HHS), Administration for...

  2. 78 FR 12128 - Privacy Act of 1974; Computer Matching Program (SSA/Department of the Treasury, Internal Revenue...

    Science.gov (United States)

    2013-02-21

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0067] Privacy Act of 1974; Computer Matching... Security Administration (SSA). ACTION: Notice of a renewal of an existing computer matching program... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Public Law (Pub. L.) 100-503...

  3. 77 FR 49849 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Office of Child Support...

    Science.gov (United States)

    2012-08-17

    ...: Social Security Administration (SSA). ACTION: Notice of a renewal of an existing computer-matching... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Public Law (Pub. L.) 100-503... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0021] Privacy Act of 1974, as Amended...

  4. 78 FR 51264 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Department of the Treasury...

    Science.gov (United States)

    2013-08-20

    ... 1016 AGENCY: Social Security Administration (SSA). ACTION: Notice of a renewal of an existing computer... above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2013-0022] Privacy Act of 1974, as Amended...

  5. 78 FR 69926 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Centers for Medicare & Medicaid...

    Science.gov (United States)

    2013-11-21

    ...: Social Security Administration (SSA). ACTION: Notice of a renewal of an existing computer matching... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Pub. L 100-503), amended the... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2013-0059] Privacy Act of 1974, as Amended...

  6. 75 FR 18251 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Internal Revenue Service (IRS...

    Science.gov (United States)

    2010-04-09

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2009-0066] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Internal Revenue Service (IRS))--Match 1305 AGENCY: Social Security... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Public Law (Pub. L.) 100-503...

  7. 75 FR 7648 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Department of Veterans Affairs...

    Science.gov (United States)

    2010-02-22

    ... Computer Matching and Privacy Protection Act of 1988 (Public Law (Pub. L.) 100-503), amended the Privacy... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2010-0006] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Department of Veterans Affairs/Veterans Benefits Administration (VA/ VBA...

  8. 78 FR 16564 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Office of Personnel Management...

    Science.gov (United States)

    2013-03-15

    ... 1021 AGENCY: Social Security Administration (SSA). ACTION: Notice of a renewal of existing computer... above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2012-0073] Privacy Act of 1974, as Amended...

  9. 75 FR 32833 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Office of Personnel Management...

    Science.gov (United States)

    2010-06-09

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2009-0077] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Office of Personnel Management (OPM))--Match 1307 AGENCY: Social Security... INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988 (Public Law (Pub. L.) 100-503...

  10. 75 FR 59780 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Railroad Retirement Board (RRB...

    Science.gov (United States)

    2010-09-28

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2010-0040] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Railroad Retirement Board (RRB))--Match Number 1006 AGENCY: Social Security...: A. General The Computer Matching and Privacy Protection Act of 1988 (Pub. L.) 100-503), amended the...

  11. 77 FR 24756 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Department of Labor (DOL))-Match...

    Science.gov (United States)

    2012-04-25

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2011-0084] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Department of Labor (DOL))--Match Number 1003 AGENCY: Social Security... above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection Act of 1988...

  12. Curatorial Acts

    NARCIS (Netherlands)

    Bal, M.

    2012-01-01

    In a self-critical inquiry into my own recent work of co-curating and the experience of seeing my video work being curated by others, this article examines acts of framing as performative acts that seek to transform visitors' preconceptions. This affective effect is pursued by means of immersion,

  13. Adjustment of interbank lending in pre- and post-regulation periods: Empirical analysis of Vietnamese commercial banks

    Directory of Open Access Journals (Sweden)

    Ho Thanh Tung

    2017-10-01

    Full Text Available This article aims to analyze the interbank lending adjustment during the period when Vietnamese commercial banks are compliant with some parts of the Basel regulation framework. A pilot regulation period has started in 2011 and full application will be effective by the end of 2018. Partial adjustment models and variance decomposition are used for the analyses. In the analysis of the quarterly released financial statements of Vietnamese commercial banks in the period from 2008/Q1 to 2015/Q4, the empirical evidence showed that throughout the period, lending to non-bank and high liquidity assets contributed to the adjustment in both long run and short run with a negative association. In addition, the loan loss allowance contributed to the adjustment in the post-regulation period only with a positive association. These highly contributing factors also show a potential shock after the adjustment of the interbank lending. The results imply there is a need for interbank lending portfolio report and an efficient control over the IRB of Vietnamese commercial banks.

  14. Shocks to Bank Lending, Risk-Taking, Securitization, and Their Role for U.S. Business Cycle Fluctuations

    NARCIS (Netherlands)

    Peersman, G.; Wagner, W.B.

    2014-01-01

    Abstract: Shocks to bank lending, risk-taking and securitization activities that are orthogonal to real economy and monetary policy innovations account for more than 30 percent of U.S. output variation. The dynamic effects, however, depend on the type of shock. Expansionary securitization shocks

  15. 13 CFR 120.714 - How are grants made to non-lending technical assistance providers (NTAP)?

    Science.gov (United States)

    2010-01-01

    ... entity that is not an Intermediary may apply to SBA for a grant to provide marketing, management and... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false How are grants made to non-lending technical assistance providers (NTAP)? 120.714 Section 120.714 Business Credit and Assistance SMALL BUSINESS...

  16. Developing a green lending model for renewable energy project (case study electricity from biogas fuel at Palm Oil Industry)

    Science.gov (United States)

    Sukirman, Y. A.

    2018-03-01

    In the last two decades, development initiatives solely aimed to generate economic growth has been placed under scrutiny, particularly amidst the rampant discussion on the quality decline of the environment, growing social divide and climate change along with its implications thereof. Considerations of the negative impacts brought about by the economic development process prompted the move to adopt the sustainable financing model that gives precedence to economic, environmental and social aspects. We introduced Green Lending Model for Renewable Energy Project (Case Study Electricity From Biogas at Palm Oil Industry) based on sustainability financing, which is used as variable to implementing financial institutions’ lending policies. There are two major trends in the literature relating to sustainability and the banking industry: external and internal practices. The external practices strand analyzes the relevance of sustainability to the bank’s communication with shareholders and other stakeholders, and how investors use it as a measure to help achieve optimal portfolio allocation. The internal practices literature, more relevant to the present work, studies how sustainability criteria are integrated into risk management models and lending practices. Its first implementation is in the Palm Oil industry at South Sumatera. The results explained that sustainability is not related to profit either from a short- or long-term perspective. The Sustainable Green Lending Model is related to the Equator Principles and its application is driven to project financing. It also related with short- and long-term risks and opportunities, instead of short-term sustainability impacts.

  17. ACT Test

    Science.gov (United States)

    ... to clot, the higher the degree of clotting inhibition. During surgery, the ACT is kept above a ... What is ECLS? An Introduction to Extracorporeal Life Support. University of Michigan Health System [On-line information]. ...

  18. BEHAVIOR OF FUNDING AND LENDING PRICING OF INDONESIAN BANKS: EVIDENCE FROM AGGREGATE POST CRISIS DATA

    Directory of Open Access Journals (Sweden)

    Soenartomo Soepomo

    2017-03-01

    Full Text Available The study aimed to reveal the behavior of lending and funding pricing (deposit interest rate and loan interestrate of Indonesian banks after the great crisis in 1998. Specifically the research design aimed to uncover theform of interaction (state of equilibrium and factors that might influence the state of equilibrium. We used amodel developed by Niehans (1978 and De Grauwe (1982 as a point of departure to address the researchproblem. There were 12 variables used in a simultanous equation econometric model that would be estimated byusing 4 different techniques namely GMM TS, GMM CS, 3SLS and SUR. Two variables namely price ofdeposit and price of loan were treated as endogenous. We also considered the impact of deposit insuranceadoption that was took place in September 2005.The empirical findings showed that the slopes of DD and LLequation were largely consistent with the hypotheses. The parameters were positive and statistically significant.However the numerical value of LL slope that was greater than the other one and comparable to DD slopehad raised a concern for the stability attainment. The most important variables (based on their magnitude andstatistical significance found to affect the constellation were business prospect, system size, exchange rate,operational cost and profitability. In the second tier of importance, we found that monetary policy instruments(policy rate differential and base money supply, quality of loan, capital and total liquidity affected the systemin various degrees.

  19. Otolith shape lends support to the sensory drive hypothesis in rockfishes.

    Science.gov (United States)

    Tuset, V M; Otero-Ferrer, J L; Gómez-Zurita, J; Venerus, L A; Stransky, C; Imondi, R; Orlov, A M; Ye, Z; Santschi, L; Afanasiev, P K; Zhuang, L; Farré, M; Love, M S; Lombarte, A

    2016-10-01

    The sensory drive hypothesis proposes that environmental factors affect both signalling dynamics and the evolution of signals and receivers. Sound detection and equilibrium in marine fishes are senses dependent on the sagittae otoliths, whose morphological variability appears intrinsically linked to the environment. The aim of this study was to understand if and which environmental factors could be conditioning the evolution of this sensory structure, therefore lending support to the sensory drive hypothesis. Thus, we analysed the otolith shape of 42 rockfish species (Sebastes spp.) to test the potential associations with the phylogeny, biological (age), ecological (feeding habit and depth distribution) and biogeographical factors. The results showed strong differences in the otolith shapes of some species, noticeably influenced by ecological and biogeographical factors. Moreover, otolith shape was clearly conditioned by phylogeny, but with a strong environmental effect, cautioning about the use of this structure for the systematics of rockfishes or other marine fishes. However, our most relevant finding is that the data supported the sensory drive hypothesis as a force promoting the radiation of the genus Sebastes. This hypothesis holds that adaptive divergence in communication has significant influence relative to other life history traits. It has already been established in Sebastes for visual characters and organs; our results showed that it applies to otolith transformations as well (despite the clear influence of feeding and depth), expanding the scope of the hypothesis to other sensory structures. © 2016 European Society For Evolutionary Biology. Journal of Evolutionary Biology © 2016 European Society For Evolutionary Biology.

  20. Short-term lending: Payday loans as risk factors for anxiety, inflammation and poor health.

    Science.gov (United States)

    Sweet, Elizabeth; Kuzawa, Christopher W; McDade, Thomas W

    2018-08-01

    While research now consistently links consumer financial debt with adverse emotional health outcomes, specific forms of debt and their impact on measures of physical health are underexplored. This gap in knowledge is significant because different forms of loans and debt may have different experiential qualities. In this paper, we focus on a type of unsecured debt - short-term/payday loan borrowing - that has risen dramatically in recent decades in the United States and is characterized by predatory, discriminatory, and poorly regulated lending practices. Using data from a study of debt and health among adults in Boston, MA (n=286), we test whether short-term borrowing is associated with a range of emotional and physical health indicators. We find that short-term loans are associated with higher body mass index, waist circumference, C-reactive protein levels, and self-reported symptoms of physical health, sexual health, and anxiety, after controlling for several socio-demographic covariates. We discuss these findings within the contexts of regulatory shortcomings, psychosocial stress, and racial and economic credit disparities. We suggest that within the broader context of financial debt and health, short-term loans should be considered a specific risk to population health.

  1. E-books and interlibrary loan an academic centric model for lending

    CERN Document Server

    Vigen, Jens

    2003-01-01

    Ironically, digitally born documents do not fit into existing frameworks of interlibrary lending. In most cases this is because publishers consider them too easy to exchange. In practice, this means that digital documents are often being printed and scanned before being shipped off to a requesting library. This system of circumvention is inefficient - at many levels - and generates a vast pool of activity from which neither authors nor publishers benefit. With the changing paradigm of document delivery, publishers of electronic journals are trying to get their share of the market by offering articles on a 'pay-as-you-go' basis, though at rates many times greater to what is being offered by document delivery services operated by libraries. Instead of joining forces in the digital era, libraries and publishers are fighting a battle which is sometimes described by librarians as the fight between the Good and the Evil. However, new models are emerging which leave room for both library and publisher in the future ...

  2. 76 FR 9612 - GE Hitachi Nuclear Energy; Acceptance for Docketing of an Application for Renewal of the U.S...

    Science.gov (United States)

    2011-02-18

    ... NUCLEAR REGULATORY COMMISSION [Docket No. 52-045; NRC-2011-0020] GE Hitachi Nuclear Energy... Certification On December 7, 2010, GE Hitachi Nuclear Energy (GEH) submitted an application to the U.S. Nuclear... and Approvals for Nuclear Power Plants.'' A notice of receipt and availability of this application was...

  3. 21 CFR 10.20 - Submission of documents to Division of Dockets Management; computation of time; availability for...

    Science.gov (United States)

    2010-04-01

    ... Management; computation of time; availability for public disclosure. 10.20 Section 10.20 Food and Drugs FOOD... Management; computation of time; availability for public disclosure. (a) A submission to the Division of Dockets Management of a petition, comment, objection, notice, compilation of information, or any other...

  4. Title list publicly available documents: Three Mile Island Unit 2, Docket 50-320. Cumulated to May 21, 1979

    International Nuclear Information System (INIS)

    1979-01-01

    This title list of publicly available documents pertaining to Three Mile Island Unit 2, Docket 50-320, includes those preincident and postincident documents filed in the NRC Public Document Room as of May 21, 1979. It is divided into preincident and postincident listings, with both listings subdivided into the categories used for filing and searching in the NRC Public Document Room

  5. 14 CFR 406.113 - Filing documents with the Docket Management System (DMS) and sending documents to the...

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 4 2010-01-01 2010-01-01 false Filing documents with the Docket Management System (DMS) and sending documents to the administrative law judge and Assistant Chief Counsel for... Management System (DMS) and sending documents to the administrative law judge and Assistant Chief Counsel for...

  6. 78 FR 54445 - Privacy Act Systems of Records; Phytosanitary Certificate Issuance and Tracking System

    Science.gov (United States)

    2013-09-04

    ... INFORMATION CONTACT: Mr. Christian B. Dellis, Export Services, Plant Health Programs, Plant Protection and... DEPARTMENT OF AGRICULTURE Office of the Secretary [Docket No. APHIS-2012-0104] Privacy Act Systems of Records; Phytosanitary Certificate Issuance and Tracking System AGENCY: Animal and Plant Health...

  7. 77 FR 62469 - Defense Logistics Agency Freedom of Information Act Program

    Science.gov (United States)

    2012-10-15

    ... DEPARTMENT OF DEFENSE Office of the Secretary 32 CFR Part 300 Defense Logistics Agency 32 CFR Part 1285 RIN 0790-AI87 [Docket ID: DOD-2012-OS-0019] Defense Logistics Agency Freedom of Information Act Program AGENCY: Defense Logistics Agency, DoD. ACTION: Proposed rule. SUMMARY: The Defense Logistics...

  8. 76 FR 77830 - Sunshine Act Meeting; Open Commission Meeting; Tuesday, December 13, 2011

    Science.gov (United States)

    2011-12-14

    ... Advertisement Loudness Mitigation (CALM) Act to prevent digital television commercial advertisements from being... Report and Analysis of Competitive Market Conditions with Respect to Domestic and International Satellite Communications Services (IB Docket No. 09- 16) and Report and Analysis of Competitive Market Conditions with...

  9. 78 FR 51192 - World War I Centennial Commission; Notification of Upcoming Public Advisory Meeting; Sunshine Act...

    Science.gov (United States)

    2013-08-20

    ... GENERAL SERVICES ADMINISTRATION [Notice-WWICC-2013-01; Docket No. 2013-0007; Sequence 1] World War I Centennial Commission; Notification of Upcoming Public Advisory Meeting; Sunshine Act Meetings Time and Date: Open: 9:30 a.m.-5:30 p.m. (Central Time) on Friday, September 13, 2013. Place: The...

  10. 78 FR 37775 - Privacy Act Systems of Records; Phytosanitary Certificate Issuance and Tracking System

    Science.gov (United States)

    2013-06-24

    ... DEPARTMENT OF AGRICULTURE Office of the Secretary [Docket No. APHIS-2012-0104] Privacy Act Systems of Records; Phytosanitary Certificate Issuance and Tracking System AGENCY: Animal and Plant Health... Health Inspection Service proposes to add a system of records to its inventory of records systems subject...

  11. 78 FR 23811 - Privacy Act of 1974; Proposed New Routine Uses and System of Records Alterations

    Science.gov (United States)

    2013-04-22

    ... Commissioner of Social Security, and, (c) Investigating issues of fraud or violations of civil rights by... property interests, risk of identity theft or fraud, or harm to the security or integrity of this system or... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2013-0015] Privacy Act of 1974; Proposed New...

  12. 76 FR 20569 - Horse Protection Act; Petition for Amendments to Regulations

    Science.gov (United States)

    2011-04-13

    ... of Cruelty to Animals, the American Horse Protection Association, Inc., Friends of Sound Horses, Inc... DEPARTMENT OF AGRICULTURE Animal and Plant Health Inspection Service 9 CFR Part 11 [Docket No. APHIS-2011-0006] Horse Protection Act; Petition for Amendments to Regulations AGENCY: Animal and Plant...

  13. 76 FR 78483 - S.A.F.E. Mortgage Licensing Act (Regulations G & H)

    Science.gov (United States)

    2011-12-19

    ... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1007 and 1008 [Docket No. CFPB-2011-0023] RIN 3170-AA06 S.A.F.E. Mortgage Licensing Act (Regulations G & H) AGENCY: Bureau of Consumer Financial... number of consumer financial protection laws from seven Federal agencies to the Bureau of Consumer...

  14. 75 FR 68395 - Agency Self-Evaluation Under Section 504 of the Rehabilitation Act of 1973

    Science.gov (United States)

    2010-11-05

    ...-800-325- 0778, or visit our Internet site, Social Security Online, at http://www.socialsecurity.gov... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2010-0069] Agency Self-Evaluation Under Section 504 of the Rehabilitation Act of 1973 AGENCY: Social Security Administration. ACTION: Notice and request...

  15. 78 FR 70088 - Agency Proposed Business Process Vision Under the Rehabilitation Act of 1973

    Science.gov (United States)

    2013-11-22

    ... site, Social Security Online, at http://www.socialsecurity.gov . SUPPLEMENTARY INFORMATION: Background... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2013-0042] Agency Proposed Business Process Vision Under the Rehabilitation Act of 1973 AGENCY: Social Security Administration (SSA). ACTION: Notice of...

  16. 78 FR 43890 - Privacy Act of 1974; Department of Homeland Security, Federal Emergency Management Agency-006...

    Science.gov (United States)

    2013-07-22

    ... titled, ``Department of Homeland Security/Federal Emergency Management Agency--006 Citizen Corps Database... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2013-0049] Privacy Act of 1974; Department of Homeland Security, Federal Emergency Management Agency--006 Citizen Corps Program...

  17. 77 FR 3935 - National Environmental Policy Act Compliance for Proposed Tower Registrations; Effects of...

    Science.gov (United States)

    2012-01-26

    .... 08-61; WT Docket No. 03-187; FCC 11-181] National Environmental Policy Act Compliance for Proposed... Commission. ACTION: Final rule. SUMMARY: In this document, the Federal Communications Commission (FCC or... interim measure pending completion of a programmatic environmental analysis and subsequent rulemaking...

  18. 75 FR 28042 - Privacy Act of 1974: System of Records; Department of Homeland Security Transportation Security...

    Science.gov (United States)

    2010-05-19

    ..., VA 20598-6036 or [email protected] . For privacy issues please contact: Mary Ellen Callahan (703-235... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2010-0013] Privacy Act of..., Transportation Security Enforcement Record System, System of Records AGENCY: Privacy Office, DHS. ACTION: Notice...

  19. 78 FR 59082 - Privacy Act of 1974; Department of Transportation, Federal Motor Carrier Safety Administration...

    Science.gov (United States)

    2013-09-25

    ..., [email protected] . For privacy issues please contact: Claire W. Barrett, Departmental Chief... DEPARTMENT OF TRANSPORTATION Office of the Secretary [Docket No. FMCSA-2013-0306] Privacy Act of... Administration (FMCSA), DOT. ACTION: Notice to amend a system of records. SUMMARY: In accordance with the Privacy...

  20. 76 FR 12745 - Privacy Act of 1974; Department of Homeland Security Office of Operations Coordination and...

    Science.gov (United States)

    2011-03-08

    ... 20528. For privacy issues please contact: Mary Ellen Callahan (703-235-0780), Chief Privacy Officer... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2010-0055] Privacy Act of... Operations Center Tracker and Senior Watch Officer Logs System of Records AGENCY: Privacy Office, DHS. ACTION...

  1. 76 FR 12609 - Privacy Act of 1974: Implementation of Exemptions; Department of Homeland Security Office of...

    Science.gov (United States)

    2011-03-08

    ... 20528. For privacy issues please contact: Mary Ellen Callahan (703-235-0780), Chief Privacy Officer... Secretary 6 CFR Part 5 [Docket No. DHS-2010-0051] Privacy Act of 1974: Implementation of Exemptions... Center Tracker and Senior Watch Officer Logs System of Records AGENCY: Privacy Office, DHS. ACTION...

  2. 75 FR 69603 - Privacy Act of 1974: Implementation of Exemptions; Department of Homeland Security National...

    Science.gov (United States)

    2010-11-15

    ... 20528. For privacy issues please contact: Mary Ellen Callahan (703-235- 0780), Chief Privacy Officer... Secretary 6 CFR Part 5 [Docket No. DHS-2010-0085] Privacy Act of 1974: Implementation of Exemptions... Coordinating Center Records System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of proposed...

  3. 77 FR 30433 - Privacy Act of 1974: Implementation of Exemptions; Automated Targeting System

    Science.gov (United States)

    2012-05-23

    ... Border Protection, Mint Annex, 799 Ninth Street NW., Washington, DC 20229. For privacy issues please... Secretary 6 CFR Part 5 [Docket No. DHS-2012-0020] Privacy Act of 1974: Implementation of Exemptions; Automated Targeting System AGENCY: Privacy Office, DHS. ACTION: Notice of proposed rulemaking. SUMMARY: The...

  4. 75 FR 7978 - Privacy Act of 1974: Implementation of Exemptions; Department of Homeland Security Transportation...

    Science.gov (United States)

    2010-02-23

    ... Security Administration, 601 South 12th Street, Arlington, VA 20598-6036. For privacy issues please contact... Secretary 6 CFR Part 5 [Docket No. DHS-2009-0137] Privacy Act of 1974: Implementation of Exemptions... Program System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of proposed rulemaking. SUMMARY: The...

  5. 75 FR 18863 - Privacy Act of 1974; Department of Homeland Security Transportation Security Administration-006...

    Science.gov (United States)

    2010-04-13

    ... 12th Street, Arlington, VA, 20598-6036. For privacy issues please contact: Mary Ellen Callahan (703-235... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2010-0015] Privacy Act of... Matters Tracking Records AGENCY: Privacy Office, DHS. [[Page 18864

  6. 78 FR 58535 - Hydropower Regulatory Efficiency Act of 2013; Supplemental Notice of Workshop

    Science.gov (United States)

    2013-09-24

    ... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. AD13-9-000] Hydropower... license for hydropower development at non-powered dams and closed-loop pumped storage projects in compliance with section 6 of the Hydropower Regulatory Efficiency Act of 2013. The workshop will be held in...

  7. 78 FR 61999 - Hydropower Regulatory Efficiency Act of 2013; Supplemental Notice of Workshop

    Science.gov (United States)

    2013-10-10

    ... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. AD13-9-000] Hydropower Regulatory Efficiency Act of 2013; Supplemental Notice of Workshop As announced in the Notices issued on September 3, 2013 and September 18, 2013, the Federal Energy Regulatory Commission (FERC or Commission...

  8. 78 FR 55251 - Hydropower Regulatory Efficiency Act of 2013; Notice of Workshop

    Science.gov (United States)

    2013-09-10

    ... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. AD13-9-000] Hydropower... hydropower development at non-powered dams and closed-loop pumped storage projects in compliance with section 6 of the Hydropower Regulatory Efficiency Act of 2013. Participants should be prepared to discuss...

  9. 77 FR 50068 - Americans With Disabilities Act (ADA) Accessibility Guidelines for Transportation Vehicles

    Science.gov (United States)

    2012-08-20

    ... ARCHITECTURAL AND TRANSPORTATION BARRIERS COMPLIANCE BOARD 36 CFR Part 1192 [Docket No. ATBCB 2010-0004] RIN 3014-AA38 Americans With Disabilities Act (ADA) Accessibility Guidelines for Transportation Vehicles AGENCY: Architectural and Transportation Barriers Compliance Board. ACTION: Notice of public...

  10. 77 FR 56590 - Americans With Disabilities Act (ADA) Accessibility Guidelines for Transportation Vehicles

    Science.gov (United States)

    2012-09-13

    ... ARCHITECTURAL AND TRANSPORTATION BARRIERS COMPLIANCE BOARD 36 CFR Part 1192 [Docket No. ATBCB 2010-0004] RIN 3014-AA38 Americans With Disabilities Act (ADA) Accessibility Guidelines for Transportation Vehicles AGENCY: Architectural and Transportation Barriers Compliance Board. ACTION: Notice of information...

  11. 75 FR 54543 - Americans With Disabilities Act (ADA) Accessibility Guidelines for Transportation Vehicles

    Science.gov (United States)

    2010-09-08

    ... ARCHITECTURAL AND TRANSPORTATION BARRIERS COMPLIANCE BOARD 36 CFR Part 1192 [Docket No. ATBCB 2010-0004] RIN 3014-AA38 Americans With Disabilities Act (ADA) Accessibility Guidelines for Transportation Vehicles AGENCY: Architectural and Transportation Barriers Compliance Board. ACTION: Notice of public...

  12. Final Environmental Impact Statement to construct and operate a facility to receive, store, and dispose of 11e.(2) byproduct material near Clive, Utah (Docket No. 40-8989)

    International Nuclear Information System (INIS)

    1993-08-01

    A Final Environmental Impact Statement (FEIS) related to the licensing of Envirocare of Utah, Inc.'s proposed disposal facility in Tooele county, Utah (Docket No. 40-8989) for byproduct material as defined in Section 11e.(2) of the Atomic Energy Act, as amended, has been prepared by the Office of Nuclear Material Safety and Safeguards. This statement describes and evaluates the purpose of and need for the proposed action, the alternatives considered, and the environmental consequences of the proposed action. The NRC has concluded that the proposed action evaluated under the National Environmental Policy Act of 1969 (NEPA) and 10 CFR Part 51, is to permit the applicant to proceed with the project as described in this Statement

  13. An analysis of the macroeconomic conditions required for SME lending: Evidence from Turkey and other emerging market countries

    Directory of Open Access Journals (Sweden)

    Jenkins Hatice

    2017-01-01

    Full Text Available Providing small and medium enterprises (SMEs with access to external finance has been a major concern for many governments and international organizations for three decades. In recent years the experiences of emerging market countries suggest that a paradigm shift is taking place in SME finance. Particularly in fast-growing emerging market countries such as Turkey, banks are increasingly targeting SMEs as a new line of banking business. This research analyzes how macroeconomic factors have contributed to increased commercial bank lending to SMEs in six emerging market countries: Turkey, Argentina, Brazil, Mexico, Chile, and Poland. Based on time series and panel data analysis, we find that a high GDP growth rate and increased competition in the banking sector have contributed to increased banking sector credit to SMEs. The findings also reveal that curbing the high inflation rate and reducing government domestic borrowing have significantly encouraged bank lending to the SME segment.

  14. The evolution of environmental concerns in economywide policies and adjustment lending: Experience from the energy sector

    Energy Technology Data Exchange (ETDEWEB)

    Hansen, Stein

    1993-07-01

    In this report, following a brief overview of some generic issues and empirical evidence relating to the linkages between economic growth, energy use and environmental impacts, a review of energy sector adjustment lending activities in developing and Eastern European countries is carried out. Following that a more specific discussion of the direct and indirect environmental impacts of these policies is presented, both in general terms, but also illustrated by means of how specific energy project packages are being designed in response to the said policy changes. Perhaps the most significant role of such policy reforms is that it impacts economywide on all economic activities; both the decisions regarding input substitution and output focus of existing plants and services, as well as the decisions regarding choice of technology, design and location of new investments in all sectors of the economy. It can be concluded from the reviewed studies that getting the prices right helps the environment, but it is not enough. It undoubtedly helps the environment to correct for market failures and have prices reflect the full resource costs, because it lessens the incentive to exploit resources wastefully. This is comforting because it suggests that what has been advocated for a long time on pure efficiency grounds irrespective to environmental management reasons. What has been missing, however, is a full acknowledgement of the crucial role of supportive institutional reforms and administrative strengthening required to actually succeed with the economic reforms. Examples will be presented on how such reforms can contribute to facilitate the adjustment process by simultaneously improving allocative efficiency and generating desperately needed public revenue.

  15. The evolution of environmental concerns in economywide policies and adjustment lending: Experience from the energy sector

    International Nuclear Information System (INIS)

    Hansen, Stein

    1993-01-01

    In this report, following a brief overview of some generic issues and empirical evidence relating to the linkages between economic growth, energy use and environmental impacts, a review of energy sector adjustment lending activities in developing and Eastern European countries is carried out. Following that a more specific discussion of the direct and indirect environmental impacts of these policies is presented, both in general terms, but also illustrated by means of how specific energy project packages are being designed in response to the said policy changes. Perhaps the most significant role of such policy reforms is that it impacts economywide on all economic activities; both the decisions regarding input substitution and output focus of existing plants and services, as well as the decisions regarding choice of technology, design and location of new investments in all sectors of the economy. It can be concluded from the reviewed studies that getting the prices right helps the environment, but it is not enough. It undoubtedly helps the environment to correct for market failures and have prices reflect the full resource costs, because it lessens the incentive to exploit resources wastefully. This is comforting because it suggests that what has been advocated for a long time on pure efficiency grounds irrespective to environmental management reasons. What has been missing, however, is a full acknowledgement of the crucial role of supportive institutional reforms and administrative strengthening required to actually succeed with the economic reforms. Examples will be presented on how such reforms can contribute to facilitate the adjustment process by simultaneously improving allocative efficiency and generating desperately needed public revenue

  16. The impact of the European insolvency regulation on lenders, lending decisions, the structuring of transactions and enforcement of security

    OpenAIRE

    Sharma, R

    2011-01-01

    This Thesis seeks to shed light on the issue of how far secured creditor rights are protected in EU cross-border insolvencies by focusing on the perspective and position of English lenders. The main thread throughout is the legal concerns faced by lenders when lending to a company incorporated in England and Wales which operates across the European Union and has assets and creditors spread across various Member States. The initial stages of the structuring of a cross-border security arrangeme...

  17. Beauty premium: Event-related potentials evidence of how physical attractiveness matters in online peer-to-peer lending.

    Science.gov (United States)

    Jin, Jia; Fan, Bonai; Dai, Shenyi; Ma, Qingguo

    2017-02-15

    Although it is well known that attractiveness-based impressions affect the labor market, election outcomes and many other social activities, little is known about the role physical attractiveness plays in financial transactions. With the development of online finance, peer-to-peer lending has become one of the most important ways in which businesses or individuals raise capital. However, because of information asymmetry, the lender must decide whether or not to lend money to a stranger based on limited information, resulting in their decision being influenced by many other factors. In the current study, we investigated how potential borrowers' facial attractiveness influenced lenders' attitudes toward borrowers' repayment behavior at the brain level by using event-related potentials. At the priming stage, photos of attractive borrowers induced smaller N200 amplitude than photos of unattractive borrowers. Meanwhile, at the feedback stage, compared with the condition of repaying on time, breach of repayment from unattractive borrowers induced larger feedback-related negativity (FRN) amplitude, which was a frontal-central negative deflection and would be enhanced by the unexpected outcome. Furthermore, smaller P300 amplitude was also elicited by the condition of not repaying on time. These differences in the FRN and P300 amplitudes were not observed between negative and positive feedback from attractive borrowers. Therefore, our findings suggest that the beauty premium phenomenon is present in online peer-to-peer lending and that lenders were more tolerant toward attractive borrowers' dishonest behavior. Copyright © 2017 Elsevier B.V. All rights reserved.

  18. 77 FR 41997 - Privacy Act of 1974; Notice of a New System of Records, Office of General Counsel E-Discovery...

    Science.gov (United States)

    2012-07-17

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5613-N-06] Privacy Act of 1974; Notice of a New System of Records, Office of General Counsel E-Discovery Management System AGENCY: Office of the Chief Information Officer. ACTION: Notification of New Privacy Act System of Records, E-Discovery...

  19. THE EMOTIONAL PROSODY OF U.S. FATAL AIR-ACCIDENT DOCKETS ONLINE: RISKING RISK COMMUNICATION?

    Directory of Open Access Journals (Sweden)

    Кармен Санчо Гинда

    2018-12-01

    Full Text Available Risk communication is grounded in both rationality and emotion (Fischhoff & Kadvany 2011, Bo-holm & Corvellec 2014. Recent investigations have proved that emotions do affect risk and danger percep-tions by functioning as ‘mediators’ (Xie et al. 2011 and become important in decision-making. My study explores how emotion is induced by the National Transportation Safety Board of the United States of America (NTSB for short to influence the mentalities and behaviours of its broad mixed audience and thus increase risk prevention. With that research purpose in mind, I examine an electronic corpus of over 500 online samples of fatal aviation dockets issued yearly online by the NTSB between the time span 2010-2015 and contained in its website databases. The emotional engagement deployed to mediate the perceptions of risk and danger by the general public constitutes a unique genre among all other world transportation agencies, since through informative vividness it pursues to activate the processes of memory, inference (i.e. judgement and decision-making. I take Stubbs’ (2001 concept of ‘discursive prosody’ as point of departure and resort to a blended theoretical framework that combines Narratology, Corpus Linguistics, Critical Discourse Analysis, and Proximisation (Cap 2013 and Positioning (Harré & van Langenhove 1999 Theories. I will show that the NTSB’s emotional prosody is more rhetorical than lexical and that the narrative strategies of focalisation and speech representation play a salient role. To conclude I will reflect on some of the possible consequences of over-exploiting emotional engagement in risk communication.

  20. Draft environmental statement: Related to operation of the Edwin I. Hatch Nuclear Plant Unit No. 2, Georgia Power Company: Docket No. 50-366

    International Nuclear Information System (INIS)

    1977-04-01

    The proposed action is the issuance of an operation license to the Georgia Power Company for the startup and operation of the Edwin I. Hatch Nuclear Plant, Unit No. 2 (Docket No. 50-366), located on the Altamaha River in Appling County, approximately 11 miles north from Baxley, Georgia. The information in this Statement represents the second, assessment of the environmental impact associated with the Edwin I. Hatch Nuclear Plant, Unit No. 2, pursuant to the guidelines of the National Environmental Policy Act of 1969 (NEPA) and 10 CFR Part 51 of the Commission's Regulations. After receipt of an application, in 1970, to construct this plant, the staff carried out a review of impact that would occur during the construction and operation of this plant. That evaluation was issued as a Final Environmental Statement in October 1972. As the result of that environmental review, a safety review, an evaluation by the Advisory Committee on Reactor Safeguards, and a public hearing in Baxley, Georgia and Washington, D.C., the AEC (now NRC) issued a permit in December 1972, for the construction of Unit No. 2 of the Edwin I. Hatch Nuclear Plant. As of February 1977, the construction of Unit No. 2 was 70% complete. With a proposed fuel-loading date of April 1978 for Unit No. 2, the applicant has petitioned for license to operate Unit No. 2 and has submitted (July 1975) the required safety and environmental reports to substantiate this petition. 97 refs., 18 figs., 37 tabs

  1. Safety evaluation report related to the operation of Beaver Valley Power Station, Unit 2 (Docket No. 50-412)

    International Nuclear Information System (INIS)

    1987-03-01

    This report, Supplement No. 4 to the Safety Evaluation Report for the application filed by the Duquesne Light Company et al. (the applicant) for a license to operate the Beaver Valley Power Station, Unit 2 (Docket No. 50-412), has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. This supplement reports the status of certain items that had not been resolved when the Safety Evaluation Report and its Supplements 1, 2, and 3 were published

  2. Safety evaluation report related to the operation of Beaver Valley Power Station, Unit 2 (Docket No. 50-412)

    International Nuclear Information System (INIS)

    1986-05-01

    This report, Supplement No. 1 to the Safety Evaluation Report for the application filed by the Duquesne Light Company et al. (the applicant) for a license to operate the Beaver valley Power Station, Unit 2 (Docket No. 50-412), has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. This supplement reports the status of certain items that had not been resolved at the time the Safety Evaluation Report was published

  3. Publicly available documents Three Mile Island Unit 2, Docket 50-320. Title list, July 1-October 31, 1979

    Energy Technology Data Exchange (ETDEWEB)

    1979-01-01

    This supplemental title list of publicly available documents pertaining to Three Mile Island Unit 2, Docket 50-320, includes those preincident and postincident documents filed in the NRC Public Document Room between July 1, 1979 and October 31, 1979. It is divided into preincident and postincident listings, with both listings sub-divided into the categories used for filing and searching in the NRC Public Document Room.

  4. Design data and safety features of commercial nuclear power plants. Vol. IV. Dockets 50-452 through 50-503

    International Nuclear Information System (INIS)

    Heddleson, F.A.

    1975-03-01

    Design data, safety features, and site characteristics are summarized for 36 nuclear power units in 18 power stations in the United States. Six pages of data are presented for each plant consisting of thermal-hydraulic and nuclear factors, containment features, emergency-core-cooling systems, site features, circulating water system data, and miscellaneous factors. An aerial perspective is also presented for each plant. The volume covers reactors with dockets 50-452 through 50-503. (U.S.)

  5. Publicly available documents Three Mile Island Unit 2, Docket 50-320. Title list, July 1-October 31, 1979

    International Nuclear Information System (INIS)

    1979-01-01

    This supplemental title list of publicly available documents pertaining to Three Mile Island Unit 2, Docket 50-320, includes those preincident and postincident documents filed in the NRC Public Document Room between July 1, 1979 and October 31, 1979. It is divided into preincident and postincident listings, with both listings sub-divided into the categories used for filing and searching in the NRC Public Document Room

  6. Should the joint provision of credit insurance with unsecured lending be prohibited? An examination of the UK payment protection insurance market

    OpenAIRE

    John Ashton; Robert S. Hudson

    2011-01-01

    This study examines whether the recent UK regulatory decision to introduce a blanket ban on the joint provision of consumer lending and credit insurance was justified. This case has wide regulatory implications following international concerns that the sale of credit insurance has been detrimental to customers due to overpriced credit insurance and a possible cross subsidy from credit insurance to unsecured lending. To explore this issue a theoretical model is developed considering why a cros...

  7. What Drives Bank Lending in Domestic and Foreign Currency Loans in a Small Open Transition Economy with Fixed Exchange Rate? The Case of Macedonia

    OpenAIRE

    Jane Bogoev

    2011-01-01

    This paper investigates two different bank loan supply functions and their determinants according to the currency of bank loans in the Republic of Macedonia. There is robust statistical evidence in favour of the existence of a bank lending channel through foreign currency loans and the foreign reference interest rate. This suggests that the impact of domestic monetary policy over the bank lending channel is limited. The most significant bank-specific characteristic for the foreign currency lo...

  8. 75 FR 63462 - Smart Grid Interoperability Standards; Notice of Docket Designation for Smart Grid...

    Science.gov (United States)

    2010-10-15

    ... further discussion with stakeholders and an analysis of the standards' cyber security protections, NIST.... 1. The Energy Independence and Security Act of 2007 (EISA) \\1\\ lays out the policy of the United..., including protocols and model standards for information management.\\2\\ EISA directs the National Institute...

  9. 78 FR 4347 - Privacy Act of 1974: Implementation of Exemptions; Department of Homeland Security; U.S. Customs...

    Science.gov (United States)

    2013-01-22

    ... Secretary 6 CFR Part 5 [Docket No. DHS-2012-0035] Privacy Act of 1974: Implementation of Exemptions... trademark or copyright. This information allows retailers, consumers, and other businesses to contact the..., law enforcement, or intelligence agencies (federal, state, local, foreign, international or tribal) in...

  10. 76 FR 68766 - Draft Blueprint for Prescriber Education for Long-Acting/Extended-Release Opioid Class-Wide Risk...

    Science.gov (United States)

    2011-11-07

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2011-D-0771] Draft Blueprint for Prescriber Education for Long-Acting/ Extended-Release Opioid Class-Wide Risk... announcing the availability of a draft document entitled ``Blueprint for Prescriber Education for the Long...

  11. 77 FR 70449 - Medical Device User Fee and Modernization Act; Notice to Public of Web Site Location of Fiscal...

    Science.gov (United States)

    2012-11-26

    ... and Drug Administration (FDA) is announcing the Web site location where the Agency will post two lists... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2012-N-1021] Medical Device User Fee and Modernization Act; Notice to Public of Web Site Location of Fiscal Year 2013...

  12. 78 FR 66746 - Medical Device User Fee and Modernization Act; Notice to Public of Web Site Location of Fiscal...

    Science.gov (United States)

    2013-11-06

    ... and Drug Administration (FDA or the Agency) is announcing the Web site location where the Agency will... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2012-N-1021] Medical Device User Fee and Modernization Act; Notice to Public of Web Site Location of Fiscal Year 2014...

  13. 75 FR 9202 - Transparency Provisions of Section 23 of the Natural Gas Act; Notice of Form No. 552 Technical...

    Science.gov (United States)

    2010-03-01

    ... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. RM07-10-002] Transparency... will be open to the public; there is no registration to attend.\\2\\ \\1\\ Transparency Provisions of...); Transparency Provisions of Section 23 of the Natural Gas Act, Order No. 704-A, FERC Stats. & Regs. ] 31,275...

  14. 75 FR 13523 - Transparency Provisions of Section 23 of the Natural Gas Act; Notice of the Agenda for Form No...

    Science.gov (United States)

    2010-03-22

    ... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. RM07-10-002] Transparency Provisions of Section 23 of the Natural Gas Act; Notice of the Agenda for Form No. 552 Technical Conference March 15, 2010. In a ``Notice of Technical Conference'' issued on February 22, 2010 in the above...

  15. 75 FR 11171 - Transparency Provisions of Section 23 of the Natural Gas Act; Supplemental Notice to Form No. 552...

    Science.gov (United States)

    2010-03-10

    ... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. RM07-10-002] Transparency Provisions of Section 23 of the Natural Gas Act; Supplemental Notice to Form No. 552 Technical Conference March 1, 2010. As announced in the Notice of Technical Conference issued on February 22, 2010, a...

  16. 75 FR 54621 - Transparency Provisions of Section 23 of the Natural Gas Act; Notice of Availability of Revised...

    Science.gov (United States)

    2010-09-08

    ... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. RM07-10-002] Transparency Provisions of Section 23 of the Natural Gas Act; Notice of Availability of Revised Form No. 552 for eFiling August 31, 2010. On August 17, 2010, the Office of Management and Budget approved a revised Form No. 552...

  17. 75 FR 30392 - Transparency Provisions of Section 23 of the Natural Gas Act; Notice of Extension of Time

    Science.gov (United States)

    2010-06-01

    ... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. RM07-10-002] Transparency Provisions of Section 23 of the Natural Gas Act; Notice of Extension of Time May 24, 2010. In comments following the March 25, 2010 Technical Conference in the above-referenced proceeding, the Natural Gas Supply...

  18. 77 FR 49011 - Privacy Act of 1974; New System of Records, Office of General Counsel E-Discovery Management...

    Science.gov (United States)

    2012-08-15

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5613-N-06-A] Privacy Act of 1974; New System of Records, Office of General Counsel E-Discovery Management System--Change in Final Effective... the OGC E-Discovery Management System until after the opportunity for further comment is provided to...

  19. 75 FR 8088 - Privacy Act of 1974; Department of Homeland Security/ALL-023 Personnel Security Management System...

    Science.gov (United States)

    2010-02-23

    ... risk of harm to economic or property interests, identity theft or fraud, or harm to the security or... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2009-0041] Privacy Act of 1974; Department of Homeland Security/ALL--023 Personnel Security Management System of Records AGENCY...

  20. 75 FR 76472 - Biologics Price Competition and Innovation Act of 2009; Meetings on User Fee Program for...

    Science.gov (United States)

    2010-12-08

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2010-N-0602] Biologics Price Competition and Innovation Act of 2009; Meetings on User Fee Program for Biosimilar and Interchangeable Biological Product Applications; Request for Notification of Stakeholder Intention To Participate...

  1. 75 FR 37456 - Green Retrofit Program of Title XII of the American Recovery and Reinvestment Act of 2009

    Science.gov (United States)

    2010-06-29

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-55] Green Retrofit Program of... Affordable Housing Preservation must collect certain data to administer the Green Retrofit Program (GRP... Title of Proposal: Green Retrofit Program of Title XII of the American Recovery and Reinvestment Act of...

  2. 76 FR 66940 - Privacy Act of 1974; Department of Homeland Security/United States Secret Service-004 Protection...

    Science.gov (United States)

    2011-10-28

    ... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0083] Privacy Act of 1974; Department of Homeland Security/United States Secret Service--004 Protection Information System... Security (DHS)/United States Secret Service (USSS)-004 System name: DHS/USSS-004 Protection Information...

  3. 76 FR 78150 - Procedures for the Handling of Retaliation Complaints Under Section 806 of the Sarbanes-Oxley Act...

    Science.gov (United States)

    2011-12-16

    ... of the Sarbanes-Oxley Act of 2002, as Amended; Correction AGENCY: Occupational Safety and Health Administration, Labor. ACTION: Interim final rule; correction. SUMMARY: The Occupational Safety and Health... DEPARTMENT OF LABOR Occupational Safety and Health Administration 29 CFR Part 1980 [Docket Number...

  4. 75 FR 66363 - School Improvement Grants; American Recovery and Reinvestment Act of 2009 (ARRA); Title I of the...

    Science.gov (United States)

    2010-10-28

    ... behavioral supports or taking steps to eliminate bullying and student harassment; or (D) Expanding the school... DEPARTMENT OF EDUCATION [Docket ID ED-2009-OESE-0010] RIN 1810-AB06 School Improvement Grants... Act of 1965, as Amended (ESEA) ACTION: Final requirements for School Improvement Grants authorized...

  5. 76 FR 39315 - Privacy Act of 1974: Implementation of Exemptions; Department of Homeland Security/ALL-030 Use of...

    Science.gov (United States)

    2011-07-06

    ... the Terrorist Screening Database System of Records relates to official DHS national security and law... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary 6 CFR Part 5 [Docket No. DHS-2011-0060] Privacy Act of 1974: Implementation of Exemptions; Department of Homeland Security/ALL--030 Use of the...

  6. 76 FR 72428 - Privacy Act of 1974; Department of Homeland Security/ALL-017 General Legal Records System of Records

    Science.gov (United States)

    2011-11-23

    ... http://www.regulations.gov . FOR FURTHER INFORMATION CONTACT: For general questions and privacy issues... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0094] Privacy Act of 1974; Department of Homeland Security/ALL--017 General Legal Records System of Records AGENCY: Privacy...

  7. 76 FR 67621 - Privacy Act of 1974: Implementation of Exemptions; Department of Homeland Security U.S. Customs...

    Science.gov (United States)

    2011-11-02

    ...., Washington, DC 20229. For privacy issues please contact: Mary Ellen Callahan (703) 235-0780), Chief Privacy... Secretary 6 CFR Part 5 [Docket No. DHS-2011-0103] Privacy Act of 1974: Implementation of Exemptions... of Records AGENCY: Privacy Office, DHS. ACTION: Notice of proposed rulemaking. SUMMARY: The...

  8. 78 FR 4079 - Privacy Act of 1974: Implementation of Exemptions; Department of Homeland Security U.S. Customs...

    Science.gov (United States)

    2013-01-18

    ... Ninth Street NW., Washington, DC 20229. For privacy issues please contact: Jonathan R. Cantor (202-343... Secretary 6 CFR Part 5 [Docket No. DHS 2012-0076] Privacy Act of 1974: Implementation of Exemptions...), System of Records AGENCY: Privacy Office, DHS. ACTION: Notice of proposed rulemaking. SUMMARY: The...

  9. 75 FR 39184 - Privacy Act of 1974: Implementation of Exemptions; Department of Homeland Security/ALL-029 Civil...

    Science.gov (United States)

    2010-07-08

    ... questions and privacy issues please contact: Mary Ellen Callahan (703-235-0780), Chief Privacy Officer... Secretary 6 CFR Part 5 [Docket No. DHS-2010-0034] Privacy Act of 1974: Implementation of Exemptions...: Privacy Office, DHS. ACTION: Notice of proposed rulemaking. SUMMARY: The Department of Homeland Security...

  10. 78 FR 62322 - Hydropower Regulatory Efficiency Act of 2013; Notice of Rescheduled Two-Year Licensing Process...

    Science.gov (United States)

    2013-10-16

    ... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission [Docket No. AD13-9-000] Hydropower... recommendations on the feasibility of a two-year process for the issuance of a license for hydropower development... Hydropower Regulatory Efficiency Act of 2013. The workshop will be held in the Commission Meeting Room at 888...

  11. 76 FR 12398 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Bureau of the Public Debt (BPD...

    Science.gov (United States)

    2011-03-07

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2010-0034] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Bureau of the Public Debt (BPD))--Match Number 1304 AGENCY: Social Security... as shown above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection...

  12. 78 FR 12127 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Department of the Treasury...

    Science.gov (United States)

    2013-02-21

    ... 1310 AGENCY: Social Security Administration (SSA). ACTION: Notice of a renewal of an existing computer..., as shown above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2013-0007] Privacy Act of 1974, as Amended...

  13. 75 FR 51154 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Department of the Treasury...

    Science.gov (United States)

    2010-08-18

    ... 1310 AGENCY: Social Security Administration (SSA) ACTION: Notice of a renewal of an existing computer..., as shown above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2010-0035] Privacy Act of 1974, as Amended...

  14. 77 FR 6620 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/the States); Match 6000 and 6003

    Science.gov (United States)

    2012-02-08

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2011-0102] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ the States); Match 6000 and 6003 AGENCY: Social Security Administration..., as shown above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection...

  15. 75 FR 68396 - Privacy Act of 1974, as Amended; Computer Matching Program (SSA/Department of Labor (DOL))-Match...

    Science.gov (United States)

    2010-11-05

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA 2010-0052] Privacy Act of 1974, as Amended; Computer Matching Program (SSA/ Department of Labor (DOL))--Match Number 1003 AGENCY: Social Security... as shown above. SUPPLEMENTARY INFORMATION: A. General The Computer Matching and Privacy Protection...

  16. The Impact of the Basel III Liquidity Regulations on the Bank Lending Channel: A Luxembourg case study

    OpenAIRE

    Gaston Giordana; Ingmar Schumacher

    2011-01-01

    In this paper we study the impact of the Basel III liquidity regulations, namely the Liquidity Coverage Ratio (LCR) and the Net Stable Funding Ratio (NSFR), on the bank lending channel in Luxembourg. For this aim we built, based on individual bank data, time series of the LCR and NSFR for a sample of banks covering between 82% and 100% of total assets of the banking sector. Additionally, we simulated the optimal balance sheet adjustments needed to adhere to the regulations. We extend the exis...

  17. Final environmental statement related to the operation of River Bend Station (Docket No. 50-458)

    International Nuclear Information System (INIS)

    1985-01-01

    This Final Environmental Statement contains the second assessment of the environmental impact associated with the operation of River Bend Station, pursuant to the National Environment Policy Act of 1969 (NEPA) and Title 10 of the Code of Federal Regulations, Part 51, as amended, of the Nuclear Regulatory Commission regulations. This statement examines the environment, environmental consequences and mitigating actions, and environmental and economic benefits and costs

  18. Draft environmental statement related to the operation of River Bend Station (Docket No. 50-458)

    International Nuclear Information System (INIS)

    1984-07-01

    This draft environmental statement contains the second assessment of the environmental impact associated with the operation of River Bend Station, pursuant to the National Environmental Policy Act of 1969 (NEPA) and Title 10 of the Code of Federal Regulations, Part 51, as amended, of the Nuclear Regulatory Commission regulations. This statement examines the environment, environmental consequences and mitigating actions, and environmental and economic benefits and costs

  19. A randomized intervention trial to reduce the lending of used injection equipment among injection drug users infected with hepatitis C.

    Science.gov (United States)

    Latka, Mary H; Hagan, Holly; Kapadia, Farzana; Golub, Elizabeth T; Bonner, Sebastian; Campbell, Jennifer V; Coady, Micaela H; Garfein, Richard S; Pu, Minya; Thomas, Dave L; Thiel, Thelma K; Strathdee, Steffanie A

    2008-05-01

    We evaluated the efficacy of a peer-mentoring behavioral intervention designed to reduce risky distributive injection practices (e.g., syringe lending, unsafe drug preparation) among injection drug users with hepatitis C virus (HCV) infection. A randomized trial with a time-equivalent attention-control group was conducted among 418 HCV-positive injection drug users aged 18 to 35 years in 3 US cities. Participants reported their injection-related behaviors at baseline and at 3- and 6-month follow-ups. Compared with the control group, intervention-group participants were less likely to report distributive risk behaviors at 3 months (odds ratio [OR]=0.46; 95% confidence interval [CI]=0.27, 0.79) and 6 months (OR=0.51; 95% CI=0.31, 0.83), a 26% relative risk reduction, but were no more likely to cite their HCV-positive status as a reason for refraining from syringe lending. Effects were strongest among intervention-group participants who had known their HCV-positive status for at least 6 months. Peer mentoring and self-efficacy were significantly increased among intervention-group participants, and intervention effects were mediated through improved self-efficacy. This behavioral intervention reduced unsafe injection practices that may propagate HCV among injection drug users.

  20. Safety Evaluation Report related to the operation of Beaver Valley Power Station, Unit 2 (Docket No. 50-412)

    International Nuclear Information System (INIS)

    1987-05-01

    This report, Supplement No. 5 to the Safety Evaluation Report for the application filed by the Duquesne Light Company et al. (the applicant) for a license to operate the Beaver Valley Power Station, Unit 2 (Docket No. 50-412), has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. This supplement reports the status of certain items that had not been resolved when the Safety Evaluation Report and its Supplements 1, 2, 3, and 4 were published

  1. Safety evaluation report related to the operation of Millstone Nuclear Power Station, Unit No. 3 (Docket No. 50-423)

    International Nuclear Information System (INIS)

    1984-07-01

    The Safety Evaluation Report for the application filed by Northeast Nuclear Energy Company, as applicant and agent for the owners, for a license to operate the Millstone Nuclear Power Station Unit 3 (Docket No. 50-423), has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. The facility is located in the town of Waterford, New London County, Connecticut, on the north shore of Long Island Sound. Subject to favorable resolution of the items discussed in this report, the NRC staff concludes that the facility can be operated by the applicant without endangering the health and safety of the public

  2. Safety Evaluation Report related to the operation of Hope Creek Generating Station (Docket No. 50-354)

    International Nuclear Information System (INIS)

    1984-10-01

    The Safety Evaluation Report for the application filed by Public Service Electric and Gas Company, as applicant, for a license to operate the Hope Creek Generating Station (Docket No. 50-354), has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. The facility is located in Salem County, New Jersey. Subject to favorable resolution of the items discussed in this report, the NRC staff concludes that the facility can be operated by the applicant without endangering the health and safety of the public

  3. Safety Evaluation Report related to the operation of Beaver Valley Power Station, Unit 2 (Docket No. 50-412)

    International Nuclear Information System (INIS)

    1985-10-01

    This Safety Evaluation Report on the application filed by Duquesne Light Company, as applicant and agent for the owners, for a license to operate the Beaver Valley Power Station Unit 2 (Docket No. 50-412) has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. The facility is located in Shippingport Borough, Beaver County, Pennsylvania, on the south bank of the Ohio River. Subject to the favorable resolution of the items discussed in this report, the staff concludes that the facility can be operated by the applicant without endangering the health and safety of the public

  4. Safety-Evaluation Report related to the construction of the Clinch River Breeder Reactor Plant. Docket No. 50-537

    International Nuclear Information System (INIS)

    1983-03-01

    The Safety-Evaluation Report for the application by the United States Department of Energy, Tennessee Valley Authority, and the Project Management Corporation, as applicants and owners, for a license to construct the Clinch River Breeder Reactor Plant (docket No. 50-537) has been prepared by the Office of Nuclear Reactor Regulation of the United States Nuclear Regulatory Commission. The facility will be located on the Clinch River approximately 12 miles southwest of downtown Oak Ridge and 25 miles west of Knoxville, Tennessee. Subject to resolution of the items discussed in this report, the staff concludes that the construction permit requested by the applicants should be issued

  5. Safety Evaluation Report related to the operation of Waterford Steam Electric Station, Unit No. 3 (Docket No. 50-382)

    International Nuclear Information System (INIS)

    1985-03-01

    Supplement 10 to the Safety Evaluation Report for the application filed by Louisiana Power and Light Company for a license to operate the Waterford Steam Electric Station, Unit 3 (Docket No. 50-382), located in St. Charles Parish, Louisiana, has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. The purpose of this supplement is to update the Safety Evaluation Report by providing the staff's evaluation of information submitted by the licensee since the Safety Evaluation Report and its nine previous supplements were issued

  6. Safety Evaluation Report related to the operation of WPPSS Nuclear Project No. 2 (Docket No. 50-397)

    International Nuclear Information System (INIS)

    1984-04-01

    This report, Supplement No. 5 to the Safety Evaluation Report (SSER 5) on the Washington Public Power Supply System application for a license to operate WNP-2 (Docket No. 50-397), located in Benton County, Washington, approximately 12 miles north of Richland, Washington, has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. This supplement reports the status of certain items that had not been resolved at the time of publication of the Safety Evaluation Report and Supplements No. 1, 2, 3, and 4

  7. Safety evaluation report related to the operation of Beaver Valley Power Station, Unit 2 (Docket No. 50-412)

    International Nuclear Information System (INIS)

    1987-08-01

    This report, Supplement No. 6 to the Safety Evaluation Report for the application filed by the Duquesne Light Company et al. (the licensee) for a license to operate the Beaver Valley Power Station, Unit 2 (Docket No. 50-412), has been prepared by the Office of Nuclear Reactor Regulation of the US Nuclear Regulatory Commission. This supplement reports the status of certain items that had not been resolved when the Safety Evaluation Report and its Supplements 1, 2, 3, 4, and 5 were published

  8. Nagłowek strony Open Journal Systems Pomoc Użytkownik Jesteś zalogowany jako... mkwiatkowski Moje czasopisma Mój profil Wyloguj Język / Language Zawartość czasopisma Wyszukaj Przeglądaj wg numeru wg autora wg tytułu Inne czasopisma Wielkość tekstu Make font size smaller Make font size default Make font size larger Informacje dla czytelników dla autorów dla bibliotekarzy Start O czasopiśmie Moje konto Wyszukaj Aktualny numer Archiwum Start > Studia de Cultura VIII(2 "Cyfrowa humanistyka" > Bagieńska-Masiota "Public lending right" jako narzędzie wspierania twórczości narodowej. Uwagi na tle nowelizacji ustawy o prawie autorskim i prawach pokrewnych w zakresie wynagrodzenia za użyczenie egzemplarzy utworów przez biblioteki publiczne

    Directory of Open Access Journals (Sweden)

    Aleksandra Bagieńska-Masiota

    2016-11-01

    Full Text Available The article raises the issue of the introduction of the Law on Copyright and Related Rights in 2015 regarding Institutions Public Lending Rights (PLR. This institution originated in the legal culture of the nineteenth Century in Western Europe, rewarding authors for the free loan of their books by libraries. The article discusses the basic provisions of the Polish Act on Copyright and Related Rights in the field of PLR, in the following aspects: the institutions covered by PLR; entities entitled to receive compensation, the method of calculating fees and absolute amounts in lending copies (payer; Fund Manager.

  9. Environmental assessment for renewal of source material license No. STB-401 (Docket No. 40-6563)

    International Nuclear Information System (INIS)

    1987-04-01

    This Environmental Assessment contains an assessment of the environmental impact associated with the renewal of the license to operate the Columbian-Tantalum (Cv-Ta) Plant of Mallinckrodt, Inc. at St. Louis, Missouri, pursuant to the National Environmental Policy Act of 1969 (NEPA) and Title 10 of the Code of Federal Regulations, Part 51 (10 CFR Part 51), as amended, of the Nuclear Regulatory Commission regulations. This assessment examines the environmental impacts, environmental consequences and mitigating actions, and environmental and economic benefits and costs associated with plant operation. Operational impacts are not anticipated on terrestrial and aquatic ecological resources (including endangered or threatened species) nor on historic and archaeological sites. No significant impacts are anticipated from normal operational releases of radioactivity. The risk of radiation exposure associated with accidental release of radioactivity is very low. Socioeconomic impacts of the project related to land use and employment are anticipated to be minimal

  10. Operation of Beaver Valley Power Station, Unit 2, Docket No. 50-412, Beaver County, Pennsylvania

    International Nuclear Information System (INIS)

    1985-09-01

    The final environmental impact statement (EPA No. 850438F) assesses the effects of operating a pressurized water reactor in Pennsylvania on the south bank of the Ohio River, which would serve as the final heat sink for the cooling system. Operation of Unit 2 would add 836 MW of capacity and increase system reliability. The plant would employ 465 at an $18 million payroll. Facilities for the plant would take up 56 acres of agricultural land. The operation result in both water and noise pollution. There is only a small probability of impacts due to potential radiation exposure. The Federal Water Pollution Control Act of 1972 and Nuclear Regulatory Commission Regulations require the impact statement

  11. Partnering with libraries to promote walking among community-dwelling adults: a Kingston gets active pilot pedometer-lending project.

    Science.gov (United States)

    Ryder, Holly H; Faloon, Kathryn J; Lévesque, Lucie; McDonald, Deanna

    2009-10-01

    Most adults do not walk enough to obtain health benefits. Pedometers have been successfully utilized to motivate and increase walking. Given that libraries are a place where community members seek health resources, they are a logical setting for increasing community accessibility to pedometers. The purpose was to examine the feasibility of lending pedometers to library patrons to increase walking. In five Canadian public libraries, 90 pedometers were made available for 6 months. A total of 41 library patrons (33 women, 8 men, age range 18 to 65 or older) completed a survey about their walking patterns and pedometer use. More than 330 loans were made. Chisquare analysis found significant associations between walking and motivation to walk more (p libraries is an effective, low-cost approach to enhance walking in community members.

  12. Managing Operational Risk Related to Microfinance Lending Process using Fuzzy Inference System based on the FMEA Method: Moroccan Case Study

    Directory of Open Access Journals (Sweden)

    Alaoui Youssef Lamrani

    2017-12-01

    Full Text Available Managing operational risk efficiently is a critical factor of microfinance institutions (MFIs to get a financial and social return. The purpose of this paper is to identify, assess and prioritize the root causes of failure within the microfinance lending process (MLP especially in Moroccan microfinance institutions. Considering the limitation of traditional failure mode and effect analysis (FMEA method in assessing and classifying risks, the methodology adopted in this study focuses on developing a fuzzy logic inference system (FLIS based on (FMEA. This approach can take into account the subjectivity of risk indicators and the insufficiency of statistical data. The results show that the Moroccan MFIs need to focus more on customer relationship management and give more importance to their staff training, to clients screening as well as to their business analysis.

  13. WPPSS Nuclear Project No. 2: Final environmental statement (DOCKET No. 50-397)

    International Nuclear Information System (INIS)

    1981-12-01

    The proposed action is the issuance of an operating license to the Washington Public Power Supply System (WPPSS) for the startup and operation of the Washington Nuclear Project Number 2 (WNP-2) located on the Columbia River in Benton County, about 19 km (12 mi) north of Richland, Washington. The facility will employ a boiling water reactor to produce 3323 megawatts thermal (MWt). A steam turbine-generator will use this heat to provide a nominal gross electrical output of 1150 megawatts (MWe). The exhaust steam will be condensed by cooled water from six circular mechanical-draft cooling towers with water taken from and returned to the Columbia River. The information in this statement represents the second assessment of the environmental impact associated with the WNP-2 pursuant to the guidelines of the National Environmental Policy Act of 1969 (NEPA) and 10 CRF Part 51 of the Commission's Regulations. After receiving an application to construct this plant, the staff carried out a review of impacts that would occur during its construction and operation. That evaluation was issued as a Final Environmental Statement (construction phase). The construction of Unit 2 about 86% complete. The staff estimated a fuel-loading date of September 1983. In March 1977, the applicant applied for an operating license for the unit and submitted the required safety and environmental reports in support of the application. 20 figs., 19 tabs

  14. Draft environmental statement related to the proposed manufacture of floating nuclear power plants (Docket No. STN 50-437)

    International Nuclear Information System (INIS)

    1976-10-01

    The proposed action is the issuance of a manufacturing license to Offshore Power Systems for the startup and operation of a proposed manufacturing facility located at Blount Island, Jacksonville, Florida (Docket No. STN 50-436). No nuclear fuel will be handled or stored at the manufacturing site. The plants will be fueled after they have been towed to and moored within breadwaters at specific offshore locations designated by the purchaser and after an operating license has been issued by the Nuclear Regulatory Commision. Each nuclear generating plant, mounted on a floating platform, has a net capacity of 1150 MWe. This energy is provided by a pressurized water reactor steam supply system consisting of a Westinghouse four-loop 3425 MWt unit with an ice-condenser containment system. When one or more of these units is located within a single breakwater, the installation is designated an offshore power station. 3 figs., 1 tab

  15. Atomic Energy Commission Act, 2000 (Act 588)

    International Nuclear Information System (INIS)

    2000-01-01

    Act 588 of the Republic of Ghana entitled, Atomic Energy Commission Act, 2000, amends and consolidates the Atomic Energy Commission Act, 204 of 1963 relating to the establishment of the Atomic Energy Commission. Act 588 makes provision for the Ghana Atomic Energy Commission to establish more institutes for the purpose of research in furtherance of its functions and also promote the commercialization of its research and development results. (E.A.A.)

  16. Reckless lending: how Canada's Export Development Corporation puts people and environment at risk

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2000-03-01

    This report documents the negative impacts of several projects financed by Canada's Export Development Corporation (EDC), how these investments put people and the environment at risk, and highlights the need for ensuring that EDC, an agency of the Canadian Government, is compelled to uphold public policies and international standards protecting human rights, the environment and the social needs of communities. By way of proving its case, authors of this report describe several international projects --the Three Gorges Dam in China; the Urra Hydro Project in Colombia; the Marcopper Mine in the Philippines; the BioBio Dam in Chile; the Ok Tedi Copper Mine in Papua New Guinea; the Yacyreta Dam in Argentina and Paraguay; and CANDU reactors in Argentina, China, Romania, South Korea and Turkey -- as proof of human rights violations and environmental disasters in which EDC has been an accessory. It is emphasized that unlike the World Bank and the U.S. export credit agencies, EDC is not required to undertake environmental assessment, or to take into account the impact on human rights or communities of project which they help to finance. The authors recommend amendments to the Export Development Act that would require the EDC to disclose information about proposed project at least 60 days before approval by the Board, including description of the project, the terms of financing, along with any environmental, social and human rights information collected. EDC should be required to establish an autonomous accountability mechanism, using the mechanisms of the World Bank Group as a model to track and guide EDC's policy implementation, and to receive and address complaints from external parties affected by EDC-supported activities. EDC should require social, environmental and human rights assessments, using World Bank standards and methodology as the base, and ensure implementation of recommendations by separately specifying them in the contract. EDC should not be

  17. Keeping Score: Direct Student Lending. An Evaluation Prepared for the Iowa College Student Aid Commission and the Iowa Student Loan Liquidity Corporation.

    Science.gov (United States)

    Chance, William

    This paper provides recommendations for the development, implementation, and evaluation of a demonstration program designed to assess direct lending as a replacement for the current federal student loan program. It offers a list of principles which the demonstration project should address. Recommendations include: (1) maintenance of student…

  18. Development, validation, and utility of an instrument to assess core competencies in the Leadership Education in Neurodevelopmental and Related Disabilities (LEND) program.

    Science.gov (United States)

    Leff, Stephen S; Baum, Katherine T; Bevans, Katherine B; Blum, Nathan J

    2015-02-01

    To describe the development and psychometric evaluation of the Core Competency Measure (CCM), an instrument designed to assess professional competencies as defined by the Maternal Child Health Bureau (MCHB) and targeted by Leadership Education in Neurodevelopmental and Related Disabilities (LEND) programs. The CCM is a 44-item self-report measure comprised of six subscales to assess clinical, interdisciplinary, family-centered/cultural, community, research, and advocacy/policy competencies. The CCM was developed in an iterative fashion through participatory action research, and then nine cohorts of LEND trainees (N = 144) from 14 different disciplines completed the CCM during the first week of the training program. A 6-factor confirmatory factor analysis model was fit to data from the 44 original items. After three items were removed, the model adequately fit the data (comparative fit indices = .93, root mean error of approximation = .06) with all factor loadings exceeding .55. The measure was determined to be quite reliable as adequate internal consistency and test-retest reliability were found for each subscale. The instrument's construct validity was supported by expected differences in self-rated competencies among fellows representing various disciplines, and the convergent validity was supported by the pattern of inter-correlations between subscale scores. The CCM appears to be a reliable and valid measure of MCHB core competencies for our sample of LEND trainees. It provides an assessment of key training areas addressed by the LEND program. Although the measure was developed within only one LEND Program, with additional research it has the potential to serve as a standardized tool to evaluate the strengths and limitations of MCHB training, both within and between programs.

  19. The Status of Bank Lending to SMEs in the Middle East and North Africa Region : Results of a Joint Survey of the Union of Arab Bank and the World Bank

    OpenAIRE

    Rocha, Roberto; Farazi, Subika; Khouri, Rania; Pearce, Douglas

    2011-01-01

    Among the principal constraints for SME lending is the lack of SME transparency, poor credit information from credit registries and bureaus, and weak creditor rights. If constraints can be addressed, lending can potentially reach bank targets of 21 percent. State banks still play an important role in financing SMEs in the MENA region, but they use less sophisticated risk management systems...

  20. Nuclear Regulatory Authority Act, 2015 (Act 895)

    International Nuclear Information System (INIS)

    2015-04-01

    An Act to establish a Nuclear Regulatory Authority in Ghana. This Act provides for the regulation and management of activities and practices for the peaceful use of nuclear material or energy, and to provide for the protection of persons and the environment against the harmful effects of radiation; and to ensure the effective implementation of the country’s international obligations and for related matters. This Act replaced the Radiation Protection Instrument, of 1993 (LI 1559).

  1. The Victory of Anti-Hitler States in the Second World War. The Lend-lease Factor

    Directory of Open Access Journals (Sweden)

    N P Parkhitko

    2015-12-01

    Full Text Available The article is focused on the economic aspect of military cooperation between the USSR and the western Allies (first of all, with the USA and Great Britain during the period of the WW II. The statistic data of the military equipment, sent to the USSR by the Allies through Lend-Lease is compared to the statistics of the Soviet domestic military production during the Great Patriotic War. Also the material and human losses of the USSR and the Allies are compared. As the result of the comparison the crucial military, political and economical input of the USSR in the Victory of Anti-Hitler states in the Second World War is advocated. The goal is also to eliminate the pseudo-historic attempts of denigrating the role of the Soviet Union in the Second World War and even its struggle in the period of the Great Patriotic War. Such attempts are being intensified in the last decades especially in the western countries and their message, in the opinion of the author, is to downplay the role of our country on the international arena as it tends to be in the political conjuncture of the early XXI century.

  2. Kanosa- Lending an Ear to the Body and Mind Secrets of Rural Women:Thoughts on Health and Modernity

    Directory of Open Access Journals (Sweden)

    Satlaj Dighe

    2011-10-01

    Full Text Available This review article discusses the text Kanosa - Grameen Streechya Sharir ani Manatil Gupitancha, translated as ‘Lending an Ear to the Secrets of Body and Mind of the Rural Woman’ by Dr. Rani Bang. The original text provides detailed information on various life-cycle health experiences of women; illness categories (nosography; health practices; sexualities; diets and local life-worlds of health and bodily experiences based on the in depth discussions with local women. In the context of current trends and prevailing ideologies in the community health sector of India, our critical review highlights the significance of the approach adopted by Dr. Rani Bang in locating health as an integral part of culture.We seek to introduce important discussions in Bang’s text on ethnophysiology, local categories of diseases and their implications on modern community health interventions, as ell as the definitions of the normal, abnormal and pathological as provided by the local community. In light of these discussions, we  examine certain characteristics of the modern Indian community health sector such as its inability to work with local epistemologies of health and illness and its philosophical reliance on Cartesian dualism and western notions of personhood. Certain features of community health such as complete separation of fertility and sexuality as well as the exclusively nutritional approach to dietary phenomena are also reviewed with reference to Kanosa and other significant literature. 

  3. ACCOUNTING TECHNIQUES SPECIFIC TO EXPORTS OF GOODS ON ITS OWN BEHALF WITH LONG-TERM COMMERCIAL LENDING

    Directory of Open Access Journals (Sweden)

    Paliu - Popa Lucia

    2012-12-01

    Full Text Available Starting from the consideration that, under increasingly fierce global competition, no country can remain passive on the results arising from international commercial transactions, developing countries and thus foreign trade companies have developed in turn, financial and institutional mechanisms aimed at continuous improvement of their position in global trade, the context in which the export of complex goods, of high values is performed, operation that requires a great financial of those entities, covered by financing of the international delivery from bank loans whose repayment term is longer than one year. Looking from this perspective, the scientific approach made at the entities carrying out foreign trade activities is aimed at developing accounting models specific to the export made on its own behalf with long-term commercial lending, procedures that will be formulated in congruence with the level and structure of the foreign price, the delivery term of the goods and the settlement term of debts or receivables, so that the accounting analysis should enable us to draw relevant conclusions that will help guide the management decisions to adopt those forms to achieve external transactions that are deemed to be the best.

  4. 76 FR 54259 - Virginia Electric and Power Company, Docket Nos. 50-338 and 50-339, North Anna Power Station...

    Science.gov (United States)

    2011-08-31

    ... NUCLEAR REGULATORY COMMISSION [NRC-2011-0185] Virginia Electric and Power Company, Docket Nos. 50.... NPF-4 and NPF-7, issued to Virginia Electric Power Company (the licensee), for operation of the North...) and (d) during declarations of severe weather conditions involving tropical storm or hurricane force...

  5. 75 FR 42436 - Houston Pipe Line Company LP-Bammel Storage, Docket No. PR10-51-000, et. al.; Notice of Baseline...

    Science.gov (United States)

    2010-07-21

    ... DEPARTMENT OF ENERGY Federal Energy Regulatory Commission Houston Pipe Line Company LP--Bammel Storage, Docket No. PR10-51- 000, et. al.; Notice of Baseline Filings July 14, 2010. Houston Pipe Line..., 2010, respectively the applicants listed above submitted their baseline filing of its Statement of...

  6. Safety evaluation report related to the operation of South Texas Project, Unit 2 (Docket No. 50-499)

    International Nuclear Information System (INIS)

    1989-03-01

    In April 1986 the staff of the US Nuclear Regulatory Commission issued its Safety Evaluation Report (NUREG-0781) regarding the application of Houston Lighting and Power Company (applicant and agent for the owners) for a license to operate South Texas Project, Units 1 and 2 (Docket Nos. 50-498 and 50-499). The facility is located in Matagorda County, Texas, west of the Colorado River, 8 miles north-northwest of the town of Matagorda and about 89 miles southwest of Houston. The first supplement to NUREG-0781 was issued in September 1986, the second supplement in January 1987, the third supplement in May 1987, the fourth supplement in July 1987, the fifth supplement in March 1988, and the sixth supplement in January 1989. This seventh supplement, which supports the issuance of a full-power license for Unit 2, provides updated information on the issues that had been considered previously as well as the evaluation of issues that have arisen since the sixth supplement was issued. The evaluation resolves all the issues necessary to support the issuance of a full-power license for Unit 2. 2 refs., 2 figs., 1 tab

  7. Safety Evaluation Report related to the operation of South Texas Project, Unit 2 (Docket No. 50-499)

    International Nuclear Information System (INIS)

    1989-01-01

    In April 1986 the staff of the US Nuclear Regulatory Commission issued its Safety Evaluation Report (NUREG-0781) regarding the application of Houston Lighting and Power Company (applicant and agent for the owners) for a license to operate South Texas Project, Units 1 and 2 (Docket Nos. 50-498 and 50-499). The facility is located in Matagorda County, Texas, west of the Colorado River, 8 miles north-northwest of the town of Matagorda and about 89 miles southwest of Houston. The first supplement to NUREG-0781 was issued in September 1986, the second supplement in January 1987, the third supplement in May 1987, the fourth supplement in July 1987 and the fifth supplement in March 1988. This sixth supplement provides updated information on the issues that had been considered previously as well as the evaluation of issues that have arisen since the fifth supplement was issued. The evaluation resolves all the issues necessary to support the issuance of a low-power license for Unit 2

  8. Atomic Act amended

    International Nuclear Information System (INIS)

    Drabova, D.

    2002-01-01

    In the paper by the chairwoman of the Czech nuclear regulatory authority, the history of Czech nuclear legislation is outlined, the reasons for the amendment of the Atomic Act (Act No. 18/1997) are explained, and the amendments themselves are highlighted. The Act No. 13/2002 of 18 December 2001 is reproduced from the official Collection of Acts of the Czech Republic in the facsimile form. The following acts were thereby amended: Atomic Act No. 18/1997, Metrology Act No. 505/1990, Public Health Protection Act No. 258/2000, and Act No. 2/1969 on the Establishment of Ministries and Other Governmental Agencies of the Czech Republic. (P.A.)

  9. 78 FR 40142 - Office of Managing Director Creates Docket for Petitions Seeking Review of Application Fee Refund...

    Science.gov (United States)

    2013-07-03

    ..., Federal Communications Commission, Financial Management Specialist, Office of the Managing Director, 445... Financial Officer, acting on delegated authority, denied requests for refund of application fees previously... refunds previously made in error. Petitions for Reconsideration and Applications for Review that have...

  10. Kuues lend / Rait Avestik

    Index Scriptorium Estoniae

    Avestik, Rait, 1974-

    2007-01-01

    Tartu Ülikooli Viljandi kultruuriakadeemia teatrikunsti VI lennu diplomilavastused: Dario Fo "Müsterium buff", lavastaja Peeter Raudsepp; Anton Tshehhovi "Kolm õde", lavastaja-koreograaf Oleg Titov; Janusz Glowacki "Fortinbras jõi end täis", lavastajad Kalju Komissaarov ja Sven Heiberg. Lühidalt uutest diplomeeritud lavastajatest - Jaanika Juhanson ja Kati Kivitar

  11. Ohtlik lend / Iain Carson

    Index Scriptorium Estoniae

    Carson, Iain

    2006-01-01

    Majanduslikesse raskustesse sattunud Euroopa tsiviillennukite tootjat Airbus, mis kuulub Prantsuse-Saksa-Hispaania emafirmale European Aeronautic Defence and Space (EADS), ootab ees natsionaliseerimine kolme riigi poolt

  12. Lending bureaucracy voice

    DEFF Research Database (Denmark)

    Mortensen, Janus; Hazel, Spencer

    2017-01-01

    with institutional power. Methodologically, the chapter makes a case for the detailed study of social interaction in transient multilingual communities as a window on linguistic and social change, which may, as one avenue of future research, stimulate cross-fertilization between sociolinguistics and the emerging......This study explores how English, used in the context of university internationalisation, is habitually called upon to verbalize concepts and practices which are intimately tied to local settings but which do not necessarily have direct equivalents in English. Focusing on institutional encounters...... at a Danish university, the study illustrates how speakers negotiate expressions for local bureaucratic terms and procedures as well as their meaning, and argues that such instances of joint meaning making carry the potential to contribute to the hyper-local emergent register of English found in the setting...

  13. Supermani lend / Timo Diener

    Index Scriptorium Estoniae

    Diener, Timo

    2005-01-01

    Kuidas sündis legendaarne fantastiline seiklusfilm "Superman" : režissöör Richard Donner : nimiosas Christopher Reeve : Ameerika Ühendriigid 1978. Järgneb 14. veebr. 2005, lk. 38 ; 28. veebr. 2005, lk. 38

  14. Airway Clearance Techniques (ACTs)

    Medline Plus

    Full Text Available ... Therapeutics Lab Developing New Treatments The CF Foundation offers a number of resources for learning about clinical ... her father: Demonstrate and discuss common ACT therapies Offer their tips for fitting ACTs into daily life ...

  15. Airway Clearance Techniques (ACTs)

    Medline Plus

    Full Text Available ... Treatments and Therapies Airway Clearance Airway Clearance Techniques (ACTs) There are different ways to clear your airways. ... or caregiver. Older kids and adults can choose ACTs that they can do on their own. Share ...

  16. Nuclear Installations Act 1965

    International Nuclear Information System (INIS)

    1965-01-01

    This Act governs all activities related to nuclear installations in the United Kingdom. It provides for the licensing procedure for nuclear installations, the duties of licensees, the competent authorities and carriers of nuclear material in respect of nuclear occurrences, as well as for the system of third party liability and compensation for nuclear damage. The Act repeals the Nuclear Installations (Licensing and Insurance) Act 1959 and the Nuclear Installations (Amendment Act) 1965 except for its Section 17(2). (NEA) [fr

  17. 76 FR 6473 - Sunshine Act; FCC To Hold Open Commission Meeting Tuesday, February 8, 2011

    Science.gov (United States)

    2011-02-04

    ...); Establishing Just and Reasonable Rates for Local Exchange Carriers (WC Docket No. 07-135); High- Cost Universal Service Support (WC Docket No. 05-337); Developing a Unified Intercarrier Compensation Regime (CC Docket...

  18. Title list of documents made publicly available. Documents from October-December 1978 for Dockets 50-334 through STN 50-597

    International Nuclear Information System (INIS)

    1978-01-01

    This special edition of the Title List contains Docket 50 material from 1978 that has not appeared in previous issues of the Title List. The documents in this supplement are indexed by personal author, corporate source, and report number. The listings of this material on the domestic licensing of production and utilization facilities, divided into the categories used for filing and searching in the NRC Public Document Room, are presented

  19. Safety evaluation report related to the operation of Midland Plant, Units 1 and 2. Docket Nos. 50-329 and 50-330. Consumers Power Company

    International Nuclear Information System (INIS)

    1982-06-01

    This report supplements the Safety Evaluation Report, NUREG-0793, issued with respect to the application filed for licenses to operate the Midland Plant, Units 1 and 2 (Docket Nos. 50-329 and 50-330). This supplement provides recent information regarding resolution of some of the open items identified in the Safety Evaluation Report and discusses recommendations of the Advisory Committee on Reactor Safeguards in its interim report dated June 8, 1982

  20. Safety evaluation report related to the operation of Waterford Steam Electric Station, Unit No. 3 (Docket No. 50-382). Supplement No. 7

    International Nuclear Information System (INIS)

    1984-09-01

    Supplement 7 to the Safety Evaluation Report for Louisiana Power and Light's application for a license to operate Waterford Steam Electric Station, Unit 3 (Docket No. 50-382), located in St. Charles Parish, Louisiana, has been jointly prepared by the Office of Nuclear Reactor Regulation and the Region IV Office of the US Nuclear Regulatory Commission. This supplement provides the results to date of the staff's evaluation of approximately 350 allegations and concerns of poor construction practices at the Waterford 3 facility