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Regulating the consumer credit market – protecting vulnerable consumers (2020)
Book Chapter
Ryder, N., & Jasinski, D. (2020). Regulating the consumer credit market – protecting vulnerable consumers. In C. Riefa, & S. Saintier (Eds.), Vulnerable Consumers and the Law: Consumer Protection and Access to Justice. London: Routledge

This chapter highlights that product regulation restricts access to credit in a manner which increases the vulnerability of those who find themselves newly priced out of the market, because of the absence of viable alternatives.

Virtual currencies (2020)
Book Chapter
Vessio, M., & Moorcroft, J. (2020). Virtual currencies. In Banking Law and Practice. LexisNexis

The digitisation of the financial services industry is transforming the value chain of banks and financial services providers. Legacy business models are being tested by new industry players – “fintechs” and “big techs”. The private sector is pushing... Read More about Virtual currencies.

Banking Law and Practice (2020)
Book
Vessio, M., & Moorcroft, J. (2020). Banking Law and Practice. LexisNexis

A comprehensive commentary on banking law and practice in South Africa, which includes legislation. The book contains discussions of the case law, legislation, common law principles and the work of academics pertaining to banking law with the rel... Read More about Banking Law and Practice.

A world fit for money laundering: The Atlantic alliance’s undermining of organized crime control (2020)
Journal Article
Young, M. A., & Woodiwiss, M. (in press). A world fit for money laundering: The Atlantic alliance’s undermining of organized crime control. Trends in Organized Crime, https://doi.org/10.1007/s12117-020-09386-8

This is the untold history of how prominent civil servants in the UK tailored US-devised anti-money laundering (AML) policies in ways that suited the needs of Britain’s financial services industry. In the aftermath of these initial compromises in 198... Read More about A world fit for money laundering: The Atlantic alliance’s undermining of organized crime control.

Follow-ing the money’ 10 years on: Transparency and the fight against banking secrecy (2020)
Book Chapter
Blanco, E. M., & Sanchez, M. J. A. (in press). Follow-ing the money’ 10 years on: Transparency and the fight against banking secrecy. In L. Pasculli, & N. Ryder (Eds.), Corruption, Integrity and the Law. Global Regulatory Challenges, (185-205). (1). UK: Routledge

The chapter begins by tracing the origins of banking secrecy and links its exponential growth since the post-war period to the creation of offshore financial centres (OFCs) – sometimes called tax havens. This proliferation of OFCs situated against th... Read More about Follow-ing the money’ 10 years on: Transparency and the fight against banking secrecy.

Twin Peaks and the impact of the Consumer Protection Act on financial products and services (2019)
Book Chapter
Vessio, M. (2019). Twin Peaks and the impact of the Consumer Protection Act on financial products and services. In Annual Banking Law Update (ABLU). Juta Law

The Financial Sector Regulation Act came into force on 29 March 2018. The object of the Act is to achieve a stable financial system that works in the interests of financial customers and that supports balanced and sustainable economic growth by estab... Read More about Twin Peaks and the impact of the Consumer Protection Act on financial products and services.

The Fifth Money Laundering Directive - a step too far? (2019)
Presentation / Conference
Ryder, N. (2019, October). The Fifth Money Laundering Directive - a step too far?. Presented at Beyond Borders: Redefining International Taxation, Barcelona

The aim of this presentation is to provide a critical analysis on the aims and scope of the Fifth Money Laundering Directive (5MLD). The Presentation briefly identifies the amendments that the 5MLD makes to the Fourth Money Laundering Directive (4ML... Read More about The Fifth Money Laundering Directive - a step too far?.

The Financial Sector Regulation Act (2019)
Book Chapter
Vessio, M. (2019). The Financial Sector Regulation Act. In Banking Law and Practice. LexisNexis

The financial sector in South Africa comprises over 6 trillion in assets, contributing 10,5% of the gross domestic product of the economy annually, employing 3.9% of the employed and contributing at least 15% of corporate income tax. Since 2000, the... Read More about The Financial Sector Regulation Act.

Cryptoassets and Terrorism Financing (2019)
Presentation / Conference
Ryder, N. (2019, September). Cryptoassets and Terrorism Financing. Paper presented at Nationwide’s 19th Financial Crime Conference, Swindon

This paper is divided into three parts. Firstly, the paper presents evidence of how terrorism financiers are able to appeal for and obtain funding via cryptoassets and social media platforms. Secondly, the paper enhances the understanding of the in... Read More about Cryptoassets and Terrorism Financing.

Child Soldiers and the Defence of Duress under International Criminal Law (2019)
Book
Quenivet, N. (2019). Child Soldiers and the Defence of Duress under International Criminal Law. Palgrave Macmillan

This book investigates the use of duress as a defence in international criminal law, specifically in cases of child soldiers. The prosecution of children for international crimes often only focuses on whether children can and should be prosecuted und... Read More about Child Soldiers and the Defence of Duress under International Criminal Law.

Global Assessment Chapter 6: Options for Decision Makers (2019)
Report
Razzaque, J., & Visseren-Hamakers, . I. (in press). Global Assessment Chapter 6: Options for Decision Makers. Intergovernmental Science-Policy Platform on Biodiversity and Ecosystem Servcies (IPBES)

This document contains the draft Chapter 6 of the IPBES Global Assessment on Biodiversity and Ecosystem Services.

Will remediation ever be enough? The environmental pollution tragedy (2019)
Journal Article
Brown, C. T. (2019). Will remediation ever be enough? The environmental pollution tragedy. International Journal of Law, 5(2), 28-30

Environmental pollution affects every aspect of human existence. Prior to the development of the legal framework for environmental regulation, environmental infractions persisted unabated until reprieve came in the form of compensation and injunction... Read More about Will remediation ever be enough? The environmental pollution tragedy.

The National Credit Act (2014)
Book Chapter
Vessio, M. (2014). The National Credit Act. In Banking Law and Practice. LexisNexis

A comprehensive commentary on banking law and practice which includes legislation. Practical and concise, Banking Law and Practice contains a discussion of the case law, legislation, common law principles and the work of academics pertaining to banki... Read More about The National Credit Act.

in Duplum (2014)
Book Chapter
Vessio, M. (2014). in Duplum. In Banking Law and Practice

What does the national credit regulator regulate? (2008)
Journal Article
Vessio, M. (2008). What does the national credit regulator regulate?. South African Mercantile Law Journal, 20(2), 227-242

The National Credit Act, 34 of 2005, replaced the previous consumer credit dispensation in South Africa established by the Usury Act 73 of 1968 and the Credit Agreements Act 75 of 1980. While the new Act is quite far-reaching, the administrative task... Read More about What does the national credit regulator regulate?.