The Financial Crisis Inquiry Report Authorized Edition eBook


The Financial Crisis Inquiry Report Authorized Edition
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The Financial Crisis Inquiry Report Authorized Edition


The Financial Crisis Inquiry Report Authorized Edition
How to DOWNLOAD

Author : Financial Crisis Inquiry Commission
language : en
Publisher: PublicAffairs
Release Date : 2011-01-27

The Financial Crisis Inquiry Report Authorized Edition written by Financial Crisis Inquiry Commission and has been published by PublicAffairs this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-01-27 with Business & Economics categories.


The definitive report on what caused America's economic meltdown and who was responsibleThe financial and economic crisis has touched the lives of millions of Americans who have lost their jobs and their homes, but many have little understanding of how it happened. Now, in this very accessible report, readers can get the facts. Formed in May 2009, the Financial Crisis Inquiry Commission (FCIC) is a panel of 10 commissioners with experience in business, regulations, economics, and housing, chosen by Congress to explain what happened and why it happened. This panel has had subpoena power that enabled them to interview people and examine documents that no reporter had access to. The FCIC has reviewed millions of pages of documents, and interviewed more than 600 leaders, experts, and participants in the financial markets and government regulatory agencies, as well as individuals and businesses affected by the crisis. In the tradition of The 9/11 Commission Report, "The Financial Crisis Inquiry Report" will be a comprehensive book for the lay reader, complete with a glossary, charts, and easy-to-read diagrams, and a timeline that includes important events. It will be read by policy makers, corporate executives, regulators, government agencies, and the American people.



The Financial Crisis Inquiry Report


The Financial Crisis Inquiry Report
How to DOWNLOAD

Author : Financial Crisis Inquiry Commission
language : en
Publisher: Cosimo, Inc.
Release Date : 2011-05-01

The Financial Crisis Inquiry Report written by Financial Crisis Inquiry Commission and has been published by Cosimo, Inc. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-05-01 with Political Science categories.


From the Publisher: In the wake of the most significant financial crisis since the Great Depression, the President signed into law on May 20, 2009, the Fraud Enforcement and Recovery Act of 2009, creating the Financial Crisis Inquiry Commission. The Commission was established to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." The 10 members of the bi-partisan Commission, prominent private citizens with significant experience in banking, market regulation, taxation, finance, economics, housing, and consumer protection, were appointed by Congress on July 15, 2009. The Chair, Phil Angelides, and Vice Chair, Bill Thomas, were selected jointly by the House and Senate Majority and Minority Leadership. The FCIC is charged with conducting a comprehensive examination of 22 specific and substantive areas of inquiry related to the financial crisis. These include: fraud and abuse in the financial sector, including fraud and abuse towards consumers in the mortgage sector; Federal and State financial regulators, including the extent to which they enforced, or failed to enforce statutory, regulatory, or supervisory requirements; the global imbalance of savings, international capital flows, and fiscal imbalances of various governments; monetary policy and the availability and terms of credit; accounting practices, including, mark-to-market and fair value rules, and treatment of off-balance sheet vehicles; tax treatment of financial products and investments; capital requirements and regulations on leverage and liquidity, including the capital structures of regulated and non-regulated financial entities; credit rating agencies in the financial system, including, reliance on credit ratings by financial institutions and Federal financial regulators, the use of credit ratings in financial regulation, and the use of credit ratings in the securitization markets; lending practices and securitization, including the originate-to-distribute model for extending credit and transferring risk; affiliations between insured depository institutions and securities, insurance, and other types of nonbanking companies; the concept that certain institutions are 'too-big-to-fail' and its impact on market expectations; corporate governance, including the impact of company conversions from partnerships to corporations; compensation structures; changes in compensation for employees of financial companies, as compared to compensation for others with similar skill sets in the labor market; the legal and regulatory structure of the United States housing market; derivatives and unregulated financial products and practices, including credit default swaps; short-selling; financial institution reliance on numerical models, including risk models and credit ratings; the legal and regulatory structure governing financial institutions, including the extent to which the structure creates the opportunity for financial institutions to engage in regulatory arbitrage; the legal and regulatory structure governing investor and mortgagor protection; financial institutions and government-sponsored enterprises; and the quality of due diligence undertaken by financial institutions. The Commission is called upon to examine the causes of major financial institutions which failed, or were likely to have failed, had they not received exceptional government assistance. In its work, the Commission is authorized to hold hearings; issue subpoenas either for witness testimony or documents; and refer to the Attorney General or the appropriate state Attorney General any person who may have violated U.S. law in relation to the financial crisis.



The Financial Crisis Inquiry Report Authorized Edition


The Financial Crisis Inquiry Report Authorized Edition
How to DOWNLOAD

Author : Financial Crisis Inquiry Commission
language : en
Publisher: www.bnpublishing.com
Release Date : 2011-03

The Financial Crisis Inquiry Report Authorized Edition written by Financial Crisis Inquiry Commission and has been published by www.bnpublishing.com this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-03 with Business & Economics categories.


The definitive report on what caused America's economic meltdown- and who was responsible. The financial and economic crisis has touched the lives of millions of Americans who have lost their jobs and their homes, but many have little understanding of how it happened. Now, in this very accessible report, readers can get the facts. Formed in May 2009, the Financial Crisis Inquiry Commission (FCIC) is a panel of 10 commissioners with experience in business, regulations, economics, and housing, chosen by Congress to explain what happened and why it happened. This panel has had subpoena power that enabled them to interview people and examine documents that no reporter had access to. The FCIC has reviewed millions of pages of documents, and interviewed more than 600 leaders, experts, and participants in the financial markets and government regulatory agencies, as well as individuals and businesses affected by the crisis. In the tradition of The 9/11 Commission Report, The Financial Crisis Inquiry Report will be a comprehensive book for the lay reader, complete with a glossary, charts, and easy-to-read diagrams, and a timeline that includes important events. It will be read by policy makers, corporate executives, regulators, government agencies, and the American people.



The Financial Crisis Inquiry Report Final Report Of The National Commission On The Causes Of The Financial And Economic Crisis In The United States Revised Corrected Copy


The Financial Crisis Inquiry Report Final Report Of The National Commission On The Causes Of The Financial And Economic Crisis In The United States Revised Corrected Copy
How to DOWNLOAD

Author : Phil Angelides
language : en
Publisher: Government Printing Office
Release Date : 2011-04-18

The Financial Crisis Inquiry Report Final Report Of The National Commission On The Causes Of The Financial And Economic Crisis In The United States Revised Corrected Copy written by Phil Angelides and has been published by Government Printing Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-04-18 with Business & Economics categories.


In the wake of the most significant financial crisis since the Great Depression, the President signed into law on May 20, 2009, the Fraud Enforcement and Recovery Act of 2009, creating the Financial Crisis Inquiry Commission. The Commission was established to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." The 10 members of the bi-partisan Commission, prominent private citizens with significant experience in banking, market regulation, taxation, finance, economics, housing, and consumer protection, were appointed by Congress on July 15, 2009. The Chair, Phil Angelides, and Vice Chair, Bill Thomas, were selected jointly by the House and Senate Majority and Minority Leadership.The FCIC is charged with conducting a comprehensive examination of 22 specific and substantive areas of inquiry related to the financial crisis. Some of these areas include: fraud and abuse in the financial sector, including fraud and abuse towards consumers in the mortgage sector; Federal and State financial regulators, including the extent to which they enforced, or failed to enforce statutory, regulatory, or supervisory requirements; the global imbalance of savings, international capital flows, and fiscal imbalances of various governments; monetary policy and the availability and terms of credit; accounting practices, including, mark-to-market and fair value rules, and treatment of off-balance sheet vehicles; tax treatment of financial products and investments; credit rating agencies in the financial system, including, reliance on credit ratings by financial institutions and Federal financial regulators, the use of credit ratings in financial regulation, and the use of credit ratings in the securitization markets; lending practices and securitization, including the originate-to-distribute model for extending credit and transferring risk; and more The Commission is called upon to examine the causes of major financial institutions which failed, or were likely to have failed, had they not received exceptional government assistance.In its work, the Commission is authorized to hold hearings; issue subpoenas either for witness testimony or documents; and refer to the Attorney General or the appropriate state Attorney General any person who may have violated U.S. law in relation to the financial crisis.



The Financial Crisis Inquiry Report


The Financial Crisis Inquiry Report
How to DOWNLOAD

Author : United States. Financial Crisis Inquiry Commission
language : en
Publisher: Government Printing Office
Release Date : 2010

The Financial Crisis Inquiry Report written by United States. Financial Crisis Inquiry Commission and has been published by Government Printing Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with Financial crises categories.


and the use of credit ratings in the securitization markets; lending practices and securitization, including the originate-to-distribute model for extending credit and transferring risk; affiliations between insured depository institutions and securities, insurance, and other types of nonbanking companies; the concept that certain institutions are 'too-big-to-fail' and its impact on market expectations; corporate governance, including the impact of company conversions from partnerships to corporations; compensation structures; changes in compensation for employees of financial companies, as compared to compensation for others with similar skill sets in the labor market; the legal and regulatory structure of the United States housing market; derivatives and unregulated financial products and practices, including credit default swaps; short-selling; financial institution reliance on numerical models,



The Financial Crisis Inquiry Report


The Financial Crisis Inquiry Report
How to DOWNLOAD

Author : Financial Crisis Inquiry Commission
language : en
Publisher: www.Militarybookshop.CompanyUK
Release Date : 2011-01-27

The Financial Crisis Inquiry Report written by Financial Crisis Inquiry Commission and has been published by www.Militarybookshop.CompanyUK this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-01-27 with Business & Economics categories.


President Obama established the Financial Crisis Inquiry Commission to "examine the causes, domestic and global, of the current financial and economic crisis in the United States. This official edition contains more than 100 pages of dissenting views not printed in the commercial version of the commission's report.



The Financial Crisis Inquiry Report


The Financial Crisis Inquiry Report
How to DOWNLOAD

Author : United States. Financial Crisis Inquiry Commission
language : en
Publisher: SoHo Books
Release Date : 2011-05-01

The Financial Crisis Inquiry Report written by United States. Financial Crisis Inquiry Commission and has been published by SoHo Books this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-05-01 with categories.


This edition is the COMPLETE Official Government Edition (containing 662 pages), officially released to the Public by the US Government. *** Copies of this edition are printed and distributed in the US by SoHo Books *** How did it come to pass that in 2008 our nation was forced to choose between two stark and painful alternatives either risk the collapse of our financial system and economy, or commit trillions of taxpayer dollars to rescue major corporations and our financial markets, as millions of Americans still lost their jobs, their savings, and their homes? The Commission concluded that this crisis was avoidable. It found widespread failures in financial regulation; dramatic breakdowns in corporate governance; excessive borrowing and risk-taking by households and Wall Street; policy makers who were ill prepared for the crisis; and systemic breaches in accountability and ethics at all levels. Here we present what we found so readers can reach their own conclusions, even as the comprehensive historical record of this crisis continues to be written. The Financial Crisis Inquiry Commission deliveres the results of its investigation into the causes of the financial and economic crisis. The Commission concluded that the crisis was avoidable and was caused by: -- Widespread failures in financial regulation, including the Federal Reserve s failure to stem the tide of toxic mortgages; -- Dramatic breakdowns in corporate governance including too many financial firms acting recklessly and taking on too much risk; -- An explosive mix of excessive borrowing and risk by households and Wall Street that put the financial system on a collision course with crisis; -- Key policy makers ill prepared for the crisis, lacking a full understanding of the financial system they oversaw; -- And systemic breaches in accountability and ethics at all levels. Despite the expressed view of many on Wall Street and in Washington that the crisis could not have been foreseen or avoided, there were warning signs. The greatest tragedy would be to accept the refrain that no one could have seen this coming and thus nothing could have been done. If we accept this notion, it will happen again said Phil Angelides, Chairman of the Commission. The Commission s report also offers conclusions about specific components of the financial system that contributed significantly to the financial meltdown. Here the Commission concluded that: collapsing mortgage-lending standards and the mortgage securitization pipeline lit and spread the flame of contagion and crisis, over-the-counter derivatives contributed significantly to this crisis, and the failures of credit rating agencies were essential cogs in the wheel of financial destruction. The Commission also examined the role of government sponsored enterprises (GSEs), with Fannie Mae serving as the case study. The Commission found that the GSEs contributed to the crisis but were not a primary cause. They had a deeply flawed business model and suffered from many of the same failures of corporate governance and risk management seen in other financial firms but ultimately followed rather than led Wall Street and other lenders in purchasing subprime and other risky mortgages. The Commission s report, which was delivered to the President and Congress, contains the data and evidence collected in the Commission s inquiry, the conclusions of the Commission based on that inquiry, and accompanying dissents. The Commission s conclusions were drawn from the review of millions of pages of documents, interviews with more than 700 witnesses, and 19 days of public hearings in New York, Washington, D.C., and communities across the country that were hit hard by the crisis.