Cash Machine Charges
Cash Machine Charges

Author: Great Britain. Parliament. House of Commons. Treasury Committee

Publisher: The Stationery Office

Published: 2005

Total Pages: 260

ISBN-13: 9780215023070

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About one third of ATMs now make direct charges to consumers, and in 2004 it is estimated that UK consumers paid £140 million in charges made whilst accessing funds through cash machines. The Committee's report examines the principle and increasing trend towards charging, the clarity of presentation of these charges to the consumer, the likely impact on financial exclusion and low-income households, and key areas for action from government, regulators and the industry. Findings include that although there has been an increase in free machines as well as charging machines, their location and the lack of transparency about which machines make charges hinders genuine competition and consumer choice. Recommendations include that there should be a clearer indication of the amount of surcharge on external signage with standardised labelling for all free and charging machines. The LINK network agreement needs to improve consumer representation and its enforcement mechanisms. The trend towards ATM charges should not be allowed to exacerbate existing financial exclusion, and the Government should ensure that the switch to direct payment of benefits does not disadvantage recipients in their access to cash.

Access to Cash Machines for Basic Bank Account Holders
Access to Cash Machines for Basic Bank Account Holders

Author: Great Britain: Parliament: House of Commons: Treasury Committee

Publisher: The Stationery Office

Published: 2012-08-31

Total Pages: 38

ISBN-13: 9780215047717

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In response to the Treasury Committee's inquiry, Barclays, HSBC and Santander all made a public commitment to continue to provide basic bank holders with unrestricted access to cash machines. In this report, the Treasury Committee makes clear its intent to write to the other providers of basic bank accounts asking for similar clarification and urges RBS and Lloyds TSB to remove their restrictions. Restricting access to cash machines could compromise the network. In certain areas, more than a third of ATMs could be placed at risk if other providers of basic bank accounts were to take similar action or to remove themselves from the LINK system. The Committee understands the need for banks to control costs and that in this instance the financial benefits to Lloyds and RBS appear relatively small. Those affected, though, would be amongst the most vulnerable people in society. In the longer run, both the way services are offered to customers and the charges they pay need reform to secure greater banking competition

Banks, Consumers and Regulation
Banks, Consumers and Regulation

Author: Peter Cartwright

Publisher: Bloomsbury Publishing

Published: 2004-10-01

Total Pages: 266

ISBN-13: 184731029X

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Recent developments in law, public policy, and regulation have ensured that questions regarding the relationship between banks and their customers have seldom been out of the spotlight. This important book provides a timely, original, and critical examination of the role of the law in regulating banks in the interests of the consumer. The work examines the social and economic rationales for, and the objectives of banking regulation. In so doing, it focuses on the crucial role of regulation in the protection of the consumer. The book then provides a critical appraisal of the principal techniques by which regulation is delivered and protection ensured. Such techniques include prior approval by licensing, continued supervision, and information remedies such as disclosure. The work also looks at how the law protects depositors of insolvent banks through financial compensation schemes, and how it provides consumer redress through mechanisms for ensuring access to justice, in particular ombudsmen. Finally, the book looks at the topical question of consumer access to banking services, and considers the extent to which the law can justify placing social obligations on banks in the consumer interest. This is the first monograph to examine these important topics in this way.

Cash and Dash
Cash and Dash

Author: Bernardo Bátiz-Lazo

Publisher: Oxford University Press

Published: 2018-06-27

Total Pages: 290

ISBN-13: 0191085588

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Cash and Dash: How ATMs and Computers Changed Banking uses the invention and development of the automated teller machine (ATM) to explain the birth and evolution of digital banking, from the 1960s to present day. It tackles head on the drivers of long-term innovation in retail banking with emphasis on the payment system. Using a novel approach to better understanding the industrial organization of financial markets, Cash and Dash contributes to a broader discussion around innovation and labour-saving devices. It explores attitudes to the patent system, formation of standards, organizational politics, the interaction between regulation and strategy, trust and domestication, maintenance versus disruption, and the huge undertakings needed to develop online real-time banking to customers.

Las Vegas For Dummies
Las Vegas For Dummies

Author: Mary Herczog

Publisher: John Wiley & Sons

Published: 2008-11-03

Total Pages: 340

ISBN-13: 0470438010

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Las Vegas can be classy or tacky, cheesy or a bit sleazy, and it's always entertaining. Get ready to cruise the hot spots, test your luck at the casinos, shop the upscale boutiques, take in the spectacular shows, hit the swinging dance clubs, or escape from the glitz and neon and take in natural wonders on refreshing day trips. This guide gives you insider info on where to go and what to do, with great advice on how to: Find the best casinos and play the most popular games Stroll the strip, where you can watch a volcano explode, see the ancient Pyramids, and explore New York, Paris, Rome, and Venice Dine on delicacies prepared by celebrity chefs such as Joel Robuchon at the Mansion (in the MGM Grand) or Emeril Lagasse at Table 10 (in the Palazzo), load up at buffets like Paris, Le Village Buffet (in the Paris Hotel), or split a sub at Capriotti's Take in spectacular entertainment from Cirque de Soleil, Blue Man Group, Penn & Teller, and many more Enjoy performances by big-name stars like Celine Dion or catch the classic topless Vegas revue, Jubilee! See shows like the magnificent Bellagio Water Fountains, hang out with dolphins at Mirage's Dolphin Habitat, or tour the inimitable Liberace Museum Like every For Dummies travel guide, Las Vegas For Dummies, Fifth Edition includes: Down-to-earth trip-planning advice What you shouldn't miss — and what you can skip The best hotels and restaurants for every budget Lots of detailed maps You'll even find a time-saving "Quick Concierge" section with key phone numbers, addresses, and handy how-to's for getting around so you won’t miss a minute of the Vegas action!

Kenya
Kenya

Author: Richard Trillo

Publisher: Rough Guides

Published: 2002

Total Pages: 826

ISBN-13: 9781858288598

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The Rough Guide to Kenya is the ultimate guide to East Africa's best-known destination. Features include: a full-colour section introducing Kenya's highlights; practical advice on getting the most out of Kenya, from the well-known safari parks to the little known reserves, and the highlands, lakes and deserts to downtown Nairobi and the Indian Ocean; detailed reviews of accommodation and eating options to suit every taste and budget, including luxury lodges and local restaurants; candid coverage of Kenya's history, politics, culture and environment; and maps and plans for every region.

ATM Surcharges
ATM Surcharges

Author: United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit

Publisher:

Published: 1996

Total Pages: 232

ISBN-13:

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