Banking Law and Financial Regulation in the UK and EU : Technology, Human Rights and Crises

Cover Half Title Title Copyright Table of Contents Table of Cases 1 Introduction 1.1 A new approach 1.1.1 A view to contemporary banking and financial law 1.1.2 The structure 1.1.3 Caveats 1.2 Regulation in the European Union 1.2.1 European Union statutes and their hierarchy 1.2.2 Financial law legislation from Brussels 1.3 UK regulation after Brexit 1.3.1 Introduction 1.3.2 Brexit 1.3.3 Financial matter 1.3.4 Regulation proposal 1.3.5 The UK regulation 1.3.6 Banking law in Scotland 1.4 The United States banking and financial regulation: a comparative analysis 1.4.1 Banking system 1.4.2 Legal sources 1.4.3 The approach to bank supervision References 2 Banking law 2.1 Banks and their organisations 2.1.1 An introduction 2.1.2 Categories of banks 2.1.3 Bank and "industry" 2.1.4 EU banking activities 2.2 The supervision 2.2.1 European banking supervision 2.2.2 National supervision 2.2.3 Authorisation of the banking business 2.2.4 Prudential supervision 2.3 Insolvency and resolution 2.3.1 Introduction 2.3.2 The Winding-up Directive 2.3.3 The resolution mechanism 2.3.4 Creditors’ protection 2.3.5 Moral hazard in the resolution mechanism 2.3.6 State aid and resolution mechanism 2.4 Consumer protection 2.4.1 Unfair terms directive 2.4.2 Financial and banking instruments legislation 2.4.3 Consumer protection in the UK 2.4.4 Financial training and domestic abuse 2.4.5 Contemporary challenges 2.5 Alternative dispute resolution: between banking and financial law 2.5.1 Restorative justice 2.5.2 Online dispute resolution 2.5.3 Financial Ombudsman References 3 Financial law 3.1 The market organisation: from financial market to parallel markets 3.1.1 Primary market 3.1.2 Secondary market 3.1.3 Market manipulation 3.1.4 Disclosure of inside information; insider lists; disclosure of own account transactions by persons discharging managerial responsibilities 3.1.5 The other parallel markets 3.2 Investments and funds 3.2.1 Investment under MiFID regulation 3.2.2 The investment fund 3.3 Financial contracts 3.3.1 Loan contract 3.4 Security 3.4.1 Purposes of security 3.4.2 Security 3.4.3 Derivatives 3.5 Financial transactions: custody agreements 3.5.1 Introduction 3.5.2 Custody of money and securities 3.5.3 Security custody 3.5.4 Transfer of money and securities 3.5.5 The UK financial regulation 3.6 Spare banking and conduits 3.6.1 Introduction 3.6.2 Shadow banking 3.6.3 Securitisation 3.7 Islamic finance 3.7.1 Introduction 3.7.2 Principles in economic systems 3.7.3 Principles in the financial system 3.7.4 Fintech in Islamic finance 3.7.5 Metaverse and Islamic finance 3.7.6 ESG factors in Islamic finance References 4 ESG factors, fintech and digitalisation 4.1 The new frontiers in banking and financial law 4.2 The European Union approach 4.2.1 The EU green finance 4.2.2 The EU financial policy 4.2.3 EU financial product 4.2.4 EU regulatory instruments 4.3 Green finance in the UK regulation 4.4 The role of central bank in the green transition 4.4.1 The concept of green bank 4.4.2 The role of the European Central Bank 4.4.3 The Bank of England approach 4.5 IT in financial sector: fintech 4.5.1 IT transaction 4.5.2 Digital banking 4.5.3 IT and financial services 4.6 Green and techno-digital economy References 5 Crisis 5.1 Introduction 5.2 The 2007–2008 banking and financial crisis 5.2.1 The pre-existing scenario 5.2.2 The beginning of the crisis 5.2.3 Post-crisis regulation 5.3 Health emergency and financial instruments 5.3.1 The UK approach 5.3.2 The US management 5.3.3 The EU methodology 5.4 From credit-crunch to cost-of-living crisis 5.5 The 2023 financial crises: Silicon Valley Bank and Credit Suisse 5.5.1 The Collapse of Silicon Valley Bank 5.5.2 The Signature Bank case 5.5.3 Credit Suisse 5.5.4 First Republic Bank 5.6 From banking crisis to city council crisis: the Birmingham case 5.6.1 The aetiology of the insolvency of the councils 5.6.2 The evolution of this insolvency: from the public bail-in to the private bail-in 5.6.3 The consequences, also sociological, of a (global versus regional) insolvency of public entities 5.6.4 The US experience References Index