Answers
The Glass-Steagall Act was a banking law that, before its repeal in 1999, prohibited commercial banks from engaging in investment banking activities.
The Glass-Steagall Act, enacted in 1933 as a response to the Great Depression, aimed to separate commercial banking activities from investment banking activities in order to reduce the risk of financial instability. It established a clear separation between banks that accepted deposits and made loans (commercial banks) and those involved in underwriting securities and facilitating capital markets transactions (investment banks). This separation was intended to prevent conflicts of interest and protect depositors' funds.
Commercial banks, under the Glass-Steagall Act, were restricted from engaging in activities such as underwriting securities, selling stocks, and participating in mergers and acquisitions. These activities were considered riskier and more speculative in nature, and the law sought to ensure that banks focused primarily on traditional banking activities that supported economic growth and stability.
However, in 1999, the Glass-Steagall Act was repealed with the passage of the Gramm-Leach-Bliley Act. This repeal was driven by arguments that the separation between commercial and investment banking was outdated and hindered the competitiveness of U.S. financial institutions in a globalized economy. Critics of the Glass-Steagall Act argued that it prevented banks from diversifying their revenue streams and adapting to changing market conditions.
The repeal of the Glass-Steagall Act allowed commercial banks to engage in a broader range of financial activities, including investment banking and securities underwriting. This led to the consolidation of the financial industry, as commercial banks started acquiring investment banks and expanding their services. Some believe that the repeal of Glass-Steagall contributed to the financial crisis of 2008, as it removed the barriers between commercial and investment banking and potentially increased systemic risk.
In summary, the Glass-Steagall Act, before its repeal in 1999, prohibited commercial banks from engaging in investment banking activities. The law aimed to separate the more traditional and stable activities of commercial banking from the riskier and more speculative activities of investment banking. However, the repeal of the Glass-Steagall Act allowed commercial banks to expand into investment banking and contributed to changes in the structure of the financial industry.
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Related Questions
source of law that controls Edward Snowden's prosecution?
Answers
Answer: On June 21, 2013, the United States Department of Justice unsealed charges against Snowden of two counts of violating the Espionage Act of 1917 and theft of government property, following which the Department of State revoked his passport.
Explanation:
During a peaceful protest, an individual encourages others to perform acts of vandalism. The individual is arrested by state police and taken into custody. In the trial that follows, the individual's lawyer claims that the First Amendment rights of the accused are extended to the state and local levels through which of the following?
Answers
The Court administered in Schenck v. US (1919) that discourse making an "irrefutable risk" isn't safeguarded under the Principal Correction.
No State will make or implement any regulation which will abbreviate the honors or susceptibilities of residents of the US; nor will any State deny any individual of life, freedom, or property, without fair treatment of regulation; nor deny to any individual inside its purview the equivalent assurance of the regulations.
Fair treatment under the Fourteenth Amendment can be separated into two classifications: procedural fair treatment and considerable fair treatment.
A leading group of Instruction of Topeka, 347 U.S. 483 (1954) The Equivalent Assurance Condition of the Fourteenth Amendment to the US Constitution restricts states from isolating government-funded school understudies based on race.
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Critical control points do not include:
>Storing food
>Purchasing food
>Cooking food
>Reheating food
Answers
Answer:
The correct option is;
1. Storing food
Explanation:
Tracking and checking the complete food production system from the farms to the point of consumption to determine, prevent and manage potential hazards before they take place is enabled by the Hazard Analysis Critical Control Points (HACCP)
A critical control point is a stage in the processing of food at which there is an opportunity for hazard prevention or reduction to reasonably acceptable levels. Procedures and operations that can lead to outbreak of foodborne diseases are critical control points
Processes such as storing food, cooking of the food, and, reheating are examples of critical control points.
Answer:storing food
Explanation:looked up the answer on answersheet
Why are techniques or rules to interpret the meaning of statutes necessary?
Answers
The techniques or the rules that are used to interpret statutes are very necessary given the fact that they help to justify the decisions that are made by the judges that preside over cases.
What is a statute?The term statute has to do with the enactment that is established by the legislative arm of a nation as a legal document that has to do with the ways that the policies of the nation would have to be carried out as well as the laws and the regulations that are necessary in the area.
The use of statutes is very necessary because it is wha tis used to decide cases by the law courts. The judge would have to base jis decisions based on what the law expects him to do at the moment.
It is necessary to know the statutes so that a person would be able to know the true meaning of the terms that are contained in that statutes.
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CÁCH LÀM BÀI THU HOẠCH
Answers
Answer:
Bạn nên hỏi bằng Tiếng Anh ấy ạ. Sẽ có nhiều người dễ chỉ hơn ạ. Đa số người nước ngoài, hỏi Tiếng Việt họ không hiểu đâu ạ.
mahan’s books influenced u.s. efforts to become a world power primarily by —
Answers
Mahan's writings, particularly "The Influence of Sea Power Upon History," had a significant impact on American efforts to rise to the status of a superpower by arguing for the need for a strong navy and the control of
American naval commander and strategist Alfred Thayer Mahan (1840 1914) wrote extensively on the significance of sea power in determining the direction of global history. The Influence of Sea Strength Upon History, Mahan's most well-known essay, made the case that a country's capacity to command the seas and project naval power was necessary for it to become a major player on the global stage. In the late 19th and early 20th centuries, his theories profoundly influenced American foreign policy and military strategy, encouraging choices to create a contemporary fleet and conquer foreign lands. Mahan has had a lasting impression on naval history and strategy as a strategic thinker and
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Examine 6 regulatory and supervisory role the Bank of Ghana plays in ensuring that there is sanity in the financial sector of Ghana.
Answers
Answer:
The several banks in Ghana had collapsed. The banks were given license few years ago. The banks were heavily deficient in liquidity and they had instability in financial systems.
Explanation:
Answer:
The Bank of Ghana ensured that there is organization in the financial sector by ensuring creation of standard monetary policies. These policies ensure banks in the country are well guided as it helps prevent liquidation and other financial issues.
The bank also helps to regulate cash flow within and also from foreign exchange .The regulation of cash flow helps to ensure that the currency is strong when compared to other foreign currencies.
There is also the issue of strict compliance to rules and regulations which is usually applicable to all banks in the region. Those who disobey are usually sanctioned with a fine which is good enough.
The Bank of Ghana helps banks in areas of loans and storing excess that they have.
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what are factors presented that makes the witness reliable? in the case of tyrone briggs
Answers
Answer:
which organ is responsible in dealing with constitional disputes?
Identifique los riesgos, amenazas, vulnerabilidades en su residencia o vivienda. El estudiante identificará los riesgos, amenazas y vulnerabilidades de su casa, indicar la dirección o la ubicación de su domicilio Y en una hoja de papel ministro enumerar cuáles son los riesgos, amenazas y vulnerabilidades tomando en cuenta los riesgos o amenazas NATURALES Y ANTROPICOS.
Answers
Answer:
Los principales riesgos, amenazas y vulnerabilidades en mi vivienda, tanto antrópicas como naturales, son las siguientes:
Dado que vivo en Fort Lauderdale, Florida (en el sur del estado, dentro del Área Metropolitana de Miami), a nivel natural existen riesgos conocidos que pueden aumentar la vulnerabilidad de mi vivienda: especialmente, los tornados, huracanes y ciclones tropicales que se generan en el Mar Caribe y tocan las costas de la Florida, causando daños en las edificaciones tanto por el impacto de dichos fenómenos como por los fenómenos que se generan en forma colateral, como las inundaciones, por ejemplo.
Por su parte, los riesgos antrópicos que existen en mi vivienda van de la mano con el aumento o descenso en el valor de mi vivienda, así como en la eventual gentrificación de mi vecindario.
Do you consider law enforcement a profession? What about the entire criminal justice field?
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It is most definitely a job. A demanding job. Every day, the 800,000 police officers, deputies, troopers, and agents in the United States are tasked with keeping our communities safe, assisting those in need, and responding to events that the normal person would avoid. Physical force and constraint are only used as a last resort by law enforcement officers when it comes to executing the law. The most effective law enforcement officers are those who can handle conflicts and enforce laws without resorting to physical violence. Traditional public safety actions that are conducted over a certain length of time are included in law enforcement service: patrol services; investigative services; prisoner housing; computerized or manual fingerprint identification; dispatching; law enforcement file record keeping; and property management
The philosopher Jean-Jacques Rousseau believed that society has a corrupting influence on a people and that it was the government's responsibility to protect the people from the ills of society by making laws that benefit the general population. Do you agree with Rousseau? Why or why not? Explain.
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g Supply
Question 1 (20 points)
What is the principle of the Law of Supply?
a
Ob
The lower the price, the larger the quantity produced.
The higher the price, the larger the quantity produced.
The lower the price, the more manufacturers will produce the good.
The higher the price, the smaller the quantity produced.
C С
d
Question 2020 points)
Answers
Answer:
The higher the price, the larger the quantity produced.
Explanation:
The Principle of the Law of Supply has nothing to do with Law. It relates to economics.
A good case to illustrate the Law of Supply would be Apple iPhones. Prices remained very high therefore, the quantity was LARGE.
Conversely, during the pandemic people were not spending and out of jobs. Apple responded with a much affordable iPhone. *Everything is driven by market forces.
The legally defined area over which an agency has control is known as which of
the following?
Answers
Answer:
The Law agency
Explanation:
The law of agency is an area of commercial law dealing with a set of contractual, quasi-contractual and non-contractual fiduciary relationships that involve a person, called the agent, that is authorized to act on behalf of another (called the principal) to create legal relations with a third party.
An intentional or unintentional concealment entitles the affected party to which of the following?
A Rescission of a contract.
B Estoppel.
C Waiver of concealed conditions.
D Subrogation of a contract.
Answers
An intentional or unintentional concealment entitles the affected party to "B. Estoppel.
Estoppel is a legal principle that prevents a person from asserting something contrary to what is implied by a previous action or statement of that person, or by a previous related action or statement of another person. Estoppel is frequently used in litigation and can be utilized as a defense or an affirmative claim.
When there is concealment, it's the result of an action or statement of one party, and the affected party relies on that statement or action, believing that it is true. Then, the affected party cannot assert something that contradicts what was said or done earlier. That would be unconscionable. Therefore, estoppel is the best answer. It's worth noting that estoppel is used as a defense in cases like contract law, and its applicability.Correct option is (b).
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Advocate for or against allowing a cause of action for wrongful
birth (you can advocate either way, but you will learn more if you
defend the position you instinctively disagree
with).
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Wrongful birth refers to a scenario whereby medical professionals do not adequately advise a parent about potential abnormalities in their unborn child during prenatal testing.
The parent may have decided against having the baby if they had known of the issues beforehand. Such parents can sue the healthcare provider for wrongful birth. There is no one right answer to whether a cause of action should be allowed in a wrongful birth. However, let's advocate against it.
It is not ethical to allow for wrongful birth lawsuits. Firstly, the responsibility of such lawsuits falls squarely on medical professionals. Medical professionals already carry an immense burden of dealing with human life. Doctors should not have to carry additional weight in cases where the issue was not caused by the medical personnel. As a result, wrongful birth cases may be detrimental to medical professionals' careers. Doctors may stop taking on high-risk cases to avoid potential litigation, resulting in the loss of innocent lives.Secondly, wrongful birth cases are a blatant disregard of human life. The child is a living and breathing individual that should not be subject to lawsuits. A child is a gift and a blessing regardless of their physical or mental condition. The laws surrounding wrongful birth should not devalue human life.Finally, wrongful birth lawsuits promote eugenics, which is a practice of selectively choosing traits in offspring. If wrongful birth lawsuits were to be allowed, it would lead to the promotion of aborting children with any perceived abnormality. It is ethically wrong to promote selective abortion based on perceived genetic defects.
In conclusion, wrongful birth lawsuits are not ethical. They promote selective abortions and disregard human life. Medical professionals are already under a great burden, and wrongful birth lawsuits would increase their workload and cause them unnecessary stress. A child's life is precious, and their physical or mental conditions do not determine their worth. Therefore, a cause of action for wrongful birth should not be allowed.
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is the us treasury responsible for implementing banking laws passed by congress
Answers
Answer:The 1913 Federal Reserve Act is U.S. legislation that created the current Federal Reserve System.1 Congress developed the Federal Reserve Act to establish economic stability in the ... It was implemented to establish economic stability in the U.S. by introducing a Central Bank to oversee monetary policy.
Explanation:
If a state were to have the majority of its productive capacity in the public sector, this would most likely indicate the existence of a(n):
Answers
Answer: D. social market system.
Explanation:
I'm a social market system, the economy runs as an amalgamation of two economic policies being the capitalist system and the socialist system.
The goal of this is to improve the welfare of humans whilst still encouraging competition. As a result, most of the country's productive sector will be in the public sector where the government tries to institute it's ideals of trying to improve the general welfare of the people.
QUESTION 4
The concept of "truth-in-sentencing" is closely associated with which perspective
O a. nonintervention.
O b. rehabilitation.
O c.justice.
O d. crime control.
Answers
The concept of "truth-in-sentencing" is closely associated with the perspective of a. nonintervention.
What is "truth-in-sentencing"?"Truth-in-sentencing" is a legal requirement that offenders serve a minimum of 85% of their original sentence before they are considered for parole or early release.
The purpose of "truth-in-sentencing" laws is to ensure that criminal convicts serve a substantial portion of their sentences.
"Truth-in-sentencing" also reduces the discrepancy between an imposed prison sentence and the actual time served.
Thus, the concept of "truth-in-sentencing" is closely associated with the perspective of a. nonintervention until a convict has served the minimum time.
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The area of consumer protection has given rise to a myriad of statutes at both the federal and state level that seek to protect the consumer from the dangers of the marketplace. (Ch. 44) Identify and discuss any three (3) specific areas of consumer activity that have become a focus of this type of legislation. Consumer Protection Ch 44 Please note that this area of law is reflective of many statutes that address the subject matter, only some of which, are referenced within this outline. Introduction Consumer transactions defined as goods, credit, services or land for personal, household or family purposes (cf. caveat emptor - "let the buyer beware" A. State and federal Consumer Protection Agencies Abuses include credit, deceptive trade practices, unsafe products, unfair pricing. 1) State and local consumer protection agencies-address fraudulent and deceptive trade and sales practices, defective goods and services 2) Federal Trade Commission (FTC)-re: used cars, franchises, funerals, door to door sales etc. unfair competition (ant- trust) unfair and deceptive trade practices deception-misrepresentation, omission or practice likely to mislead advertising substantiation -reasonable basis for advertising claims 3) Remedies Affirmative disclosure Corrective advertising Cease and desist orders 4) Consumer Product Safety Commission - protects public re unsafe products, evaluates products, uniform standards, excludes autos, tires, tobacco, firearms, food. drugs among others and enforcement re: hazardous substances 5) Consumer Financial Protection Bureau-authority over consumer financial products or services 6) Other federal consumer protection agencies- National Highway Traffic Safety Administration (NHTSA) -autos, etc. Federal Drug administration (FDA)-food, tobacco, drugs, medical devices, cosmetics, etc. B. Consumer purchases State contract law (UCC Art 2) provide many rights and obligations 1) Federal warranty protection -applies to sellers of consumer goods who give written warranties (ensure certain features of consumer goods or services) 2) As per Magnusson Moss Warranty Act need provide adequate assurance re: warranties (disclosures, labeling, disclaimers) 3) State lemon laws-provides new car purchasers w/ rights 4) Consumer right of rescission w/n 3 days of signing C. Consumer Credit Transactions Applies to any credit transactions re: goods, services or land for personal, household or family- Federal Consumer Credit Protection Act (FCCPA) 1) Access to the market-addresses discrimination in extending credit/ several applicable statutory protections 2) Disclosure requirements Truth - in- Lending Act (TILA) provides information such as charges, late fees etc. re: credit accounts 3) Among areas addressed are: Home equity loans fixed amount secured by home Billing errors re: disputed amounts Settlement charges -applies to real estate escrow accounts Mortgage Reform and Anti- Predatory Lending Act 4) Contract terms- FTC limit rights of holders in due course when debt arises out of consumer credit transaction 5) Consumer credit card fraud- limits liability for unauthorized use up to $50 6) Fair reportage- Fair Credit Reporting Act (FRCA) -prohibits use of inaccurate or dated information in consumer reports 7) Credit card bill of rights re: interest rates, notices, payments and penalties D. Creditor remedies 1) Wage assignments - protects against discharge from employment Garnishment -only by court order 2) Security interest in goods- seller may retain security interest in goods sold w/ restrictions 3) Debt collection practices-prohibitions on abusive, deceptive, unfair practices including harassing conduct
Answers
Numerous federal and state laws have been passed in the field of law known as consumer protection in an effort to protect consumers from the risks present in the marketplace. Three specific consumer activities that have come under the purview of such legislation are as follows:
1. Purchases by consumers: This refers to the sale of products and services, as well as real estate, for private, domestic, or familial use. For instance, written warranties offered by vendors of consumer goods are covered under the Federal Warranty Protection. On the other hand, new automobile buyers have rights under lemon laws.
2. The use of consumer credit: It covers all credit agreements for purchases of commodities, services, or real estate made for private, domestic, or familial use. The Federal Consumer Credit Protection Act (FCCPA) is applicable to a number of legal protections, such as banning discrimination in credit-granting.
3. Credit Remedies: There are many different types of creditor remedies, including wage assignments, garnishments, security interests in property, and debt collection techniques. Garnishment is only legal with a court order, and wage assignments guard against termination from employment. The credit card bill of rights places restrictions on credit card users' interest rates, notifications, payments, and penalties, and fair reporting forbids the use of inaccurate or out-of-date information in consumer reports. Protecting consumers from dishonest and misleading business practices, as well as faulty goods and services, is the responsibility of the Consumer Financial Protection Bureau and other government consumer protection organizations, such as the National Highway Traffic Safety Administration (NHTSA).
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I’m confused with this question...
Answers
Answer:
Prohibited means banned/forbidden. Think of the question as, "What does the 4th amendment protect you from?"
I waited for my dad to come back from the store to get milk its been 18 years what happened to him
Answers
Answer:
I am sorry that this has happened however he is not going to come back. Most likely cause he dislikes you. :)
Explanation:
When prices for homes rise, why might construction companies decide to build more homes?
A. to increase employment
B. to make a profit
C. to create a need for more resources
D. to boost name recognition
Answers
Answer:
B. to make a profit
Explanation:
Profit is the major reason why so many people venture into any business and construction companies are no different.
According to the law of supply, when demand increases and the supply is not met, then the price increases. According to the same law, if the demand decreases, then the price also decreases. For a well functioning market, there needs to exist an equilibrium between demand and supply.
The construction companies decide to build more homes when the prices for homes increases to meet the demand and make a profit.
Answer:B. to make a profit
Explanation:
Which of the following would NOT be within the powers of Congress according to the Constitution?
Removing the President from office for committing a crime.
Declaring war on other countries.
Creating a law that raises taxes to build a bridge.
Making treaties with foreign countries.
Answers
Answer:
Making treaties with other countries would not be within the powers of Congress according to the Constitution.
Explanation:
In the following, Making treaties with foreign countries would not be within the powers of Congress according to the Constitution. The correct option is (D).
What do you mean by the constitution?The Constitution outlines the three main federal government branches and their respective responsibilities. It also specifies the fundamental legislation of the United States federal government.
It is the oldest written national constitution still in use and has come to represent Western legal precedent.
The states ratified a charter of governance, and it is still regarded as the ultimate law of the land. Both writings have had a significant impact on American history and the global development of democracy.
Therefore, in the following, Making treaties with foreign countries would not be within the powers of Congress according to the Constitution.
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In Episode 4 of Tiger King, Joe Exotic offers a reward of $10,000 for any information leading to the arrest of Carole Baskin. According to the Professor, is this reward offer a legally-binding contract?
Answers
The lecturer claims that the aforementioned incentive offer is a legally enforceable contract, but it was obviously done in fun. If a legal dispute arose in this situation, Joe Exotic, the defendant, would need to demonstrate that the comment shouldn't be taken seriously.
What is a contract with legal force and effect?An agreement between two or more parties that establishes mutual obligations is known as a contract.
The fundamental requirements for the agreement to be legally binding are mutual assent, demonstrated by a valid offer and acceptance, appropriate consideration, the ability to enter into a contract, and legality.
It is important to keep in mind that a contract only has legal force when ALL of its requirements are met. Until such a moment, it will not be enforced or legally recognized.
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Which of the following statements is true?
A
When a hang fire or misfire happens, immediately eject the cartridge or shell to clear the chamber.
B
Magnum loads should be fired occasionally in all firearms to clean out the barrel.
с
Never carry more than one caliber or gauge of ammunition at the same time.
D
A hang fire is when the primer fails to ignite the powder.
Answers
A true statement must have an element of validity. The statements is true is Never carry more than one caliber or gauge of ammunition at the same time.
A statement is simply known too be an assertion that something is or is not the case.
It is very important to carry only the correct ammunition for the shotgun. If the wrong ammunition is supplied, it can cause an explosion, injuring or possibly killing yourself and any bystanders.
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state the law of definite proportions in your own words:
Answers
The law of definite proportions states that a chemical compound is composed of elements in fixed and specific proportions by mass. In simpler terms, it means that a compound always contains the same elements in the same ratio of their masses, regardless of the amount of the compound.
This law implies that the composition of a compound is constant and predictable. For example, if we take a compound like water (H2O), it will always have two hydrogen atoms for every one oxygen atom, and the ratio of their masses will be consistent.
The law of definite proportions is a fundamental principle in chemistry, providing a basis for understanding the composition and behavior of substances.
It helps scientists determine the formula and atomic composition of compounds, aiding in the study of chemical reactions, stoichiometry, and the understanding of the atomic structure of matter.
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What are three methods that members of Congress can use to stop legislation from being voted on? Do these methods differ between the Senate and the House of Representatives?
Answers
Answer:
By voting a bill down, using a filibuster (Senate Only), or killed by committee.
Explanation:
Committee staff may influence congress by granting or withholding legislation. Organizations can also influences members of congress in the same ways.
which of the following statements is not true regarding a presentence investigation (psi)?
Answers
The following statement is not true regarding a presentence investigation (PSI).
A presentence investigation (PSI) is a comprehensive assessment conducted by probation officers or other authorized individuals to gather information about an offender before sentencing. It is used to provide the court with relevant information to make an informed decision regarding the appropriate sentence for the convicted individual. The PSI report typically includes details about the offender's personal and criminal history, social and family background, employment and education, substance abuse history, and any other relevant factors.
Based on this understanding, the statement "The PSI is conducted after the sentencing decision has been made" is not true. In reality, a PSI is conducted before the sentencing decision. The purpose of the PSI is to assist the court in making an appropriate and fair sentencing decision by providing a comprehensive understanding of the offender's background and circumstances. It is an essential step in the sentencing process that helps ensure that the punishment fits the crime and considers the individual's specific circumstances.
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which of the following statements is not true?a.it is against the law to sell alcohol to anyone under the age of 21.b.it is against the law to use a false identification card to purchase alcohol.c.it is against the law to buy or consume alcohol when you're under the age of 21.d.it is against the law to be in an establishment that serves alcohol unless you're 21.
Answers
The following statement "it is against the law to be in an establishment that serves alcohol unless you're 21" is False.
Alcohol, also known as ethanol in chemical terms, is a depressant substance that is the primary component of alcoholic beverages including beer, wine, and distilled spirits. It is one of the oldest and most popular recreational substances, producing effects similar to those of alcohol intoxication.
Alcohol has a number of negative effects on the body, including euphoria and happiness, reduced anxiety, an increase in sociability, drowsiness, impairment of cognitive, memory, motor, and sensory function, and overall depression of central nervous system (CNS) function. Isopropanol is just slightly more poisonous than ethanol, so a modest, momentary exposure is unlikely to have a negative impact.
Hence the correct option is D
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Which situation is the best example of competition in an economic system? A restaurant just opened down the block from a movie theater, and the restaurant owner hopes to attract diners after each movie. A small CD store slashed its prices to attract customers from a larger store that sells CDs and DVDs. A store that sells sneakers has offered a special deal to customers from a nearby health club. A federal agency has been created to monitor the production and distribution of food supplements.
d. A state agency has been created to monitor the production and distribution of sports drinks.
Answers
Answer:
D
Explanation:
Answer:
it is B: a small CD store ...
Explanation:
i just took the test