Agarwal, S., Driscoll, J.C., Gabaix, X., Laibson, D., 2008. The Age of Reason: Financial Decisions over the Lifecycle, Working Paper, Federal Reserve Bank of Chicago.
Al Manum, A., Hassan M.K., Lai, V.S., 2004. The Impact of Gramm-Leach-Bliley Act on the Financial Services Industry, J. Econ. Finance, 28, 333-347.
Allen, D.S., Chan T.S., 1997. The Efficiency of Residential Mortgage Guarantee Insurance Markets, Working Paper Series, 1997-013A, The Federal Reserve Bank of St. Louis.
- Arthreya, K., 2001. The Growth in Unsecured Credit Are We Better Off?, Fed. Reserve Bank Richmond Econ. Rev., 87, 11-33.
Paper not yet in RePEc: Add citation now
Baele, L, De Jonghe, O., Vander Vennet, R., 2007. Does the stock market value bank diversification, J. Banking Finance, 31, 1999-2023.
- Baltagi, B.H., 1995. Econometric Analysis of Panel Data, Wiley, Chichester.
Paper not yet in RePEc: Add citation now
- BERR (Department for Business, Enterprise and Regulatory Reform), 2007. Tackling Over-Indebtedness. Annual Report, London.
Paper not yet in RePEc: Add citation now
- Burchardt, T., Hill, J., 1998. From Public to Private: The Case of Mortgage Payment Insurance in Great Britain, Housing Stud., 13, 311-323.
Paper not yet in RePEc: Add citation now
Campbell, J. Y., 2006. Household Finance, J. Finance, 61, 1553-1604.
Chen, Y., 1997. Equilibrium Product Bundling, J. Bus, 70, 85-103.
- Commission of the European Communities, 2005. Modified Proposal for a Directive of the European Parliament and the council on credit agreements for consumers amending Council Directive 93/13/EC, Brussels.
Paper not yet in RePEc: Add citation now
- Commission of the European Communities, 2008. Directive on credit agreements for consumers and repealing Council Directive 87/102/EEC, 93/13/EC, 2008/48/EC, Brussels.
Paper not yet in RePEc: Add citation now
- Competition Commission, 2007. Market Investigation into Payment Protection Insurance, Emerging Thinking, London.
Paper not yet in RePEc: Add citation now
- Competition Commission, 2008. Market Investigation into Payment Protection Insurance, Provisional findings report, London.
Paper not yet in RePEc: Add citation now
- Competition Commission, 2009. Market Investigation into Payment Protection Insurance, London.
Paper not yet in RePEc: Add citation now
- Competition Commission, 2010. Payment Protection Insurance Market Investigation: Remittal of the Point-of-Sale Prohibition Remedy by the Competition Appeal Tribunal, London.
Paper not yet in RePEc: Add citation now
- Consumer Credit Act, 2006. Chapter 14. The Stationary Office, London.
Paper not yet in RePEc: Add citation now
- De Meza, D., Irlenbusch, B., Reyniers D., 2007. Information versus Persuasion: Experimental Evidence on Salesmanship: Mandatory Disclosure and the Purchase of Income and Loan Payment Protection Insurance, Working paper, Financial Services Authority, London.
Paper not yet in RePEc: Add citation now
Durkin, T.A., 2002. Consumers and Credit Disclosures: Credit Cards and Credit Insurance, Fed. Reserve Bull., April, 201-213.
- Federal Reserve Board, 2007. 94th Annual Report, Federal Reserve Board, Washington.
Paper not yet in RePEc: Add citation now
- Federal Trade Commission, 2001. Prepared Statement of the Federal Trade Commission before the California State Assembly Committee on Banking and Finance on Predatory Lending Practices in the Home-Equity Lending Market. Federal Trade Commission, Washington.
Paper not yet in RePEc: Add citation now
Fields, L.P., Fraser, D.R., Kolari, J.W., 2007. Is Bancassurance a Viable Model for Financial Firms, J. Risk Ins., 74, 777-794.
- Financial Services Authority, 2005. The sale of payment protection insurance â results of thematic work, November, London Financial Services Authority. 2006. Financial Capability in the UK: Establishing a Baseline. The Financial Services Authority London.
Paper not yet in RePEc: Add citation now
- Financial Services Authority, 2007a. The sale of payment protection insurance.
Paper not yet in RePEc: Add citation now
- Financial Services Authority, 2007c. Insurance selling and administration. Feedback on CP07 and final rules, Policy Statement 07/24, December, London.
Paper not yet in RePEc: Add citation now
- Financial Services Authority, 2008. Consumer Responsibility, Discussion Paper, 08/5, London.
Paper not yet in RePEc: Add citation now
- Financial Services Authority, 2010. The assessment and redress of Payment Protection Insurance Complaints, Consultation Paper 10/6, London.
Paper not yet in RePEc: Add citation now
Hilgert, M.A., Hogarth, J.M., 2003. Household Financial Management: The Connection between Knowledge and Behavior, Fed. Reserve Bull., July, 309-322 Kanatas, G., Qi, J., 2003. Integration of Lending and Underwriting: implications of Scope Economies, J. Finance, 58, 1167-1191.
Laeven, L., Levine, R., 2007. Is there a diversification discount in financial conglomerates?, J. Finan. Econ., 85, 331-367.
Lepetit, L, Nys, E., Rous, P., Tarazi, A., 2008. The expansion of services in European banking: Implication for loan pricing and interest margins, J. Banking Finance, 32, 2325-2335.
Mercieca, S., Schaeck, K., Wolfe, S. 2007. Small European banks: Benefits from diversification?, J. Banking Finance, 31, 1975-1998.
- Office of Fair Trading, 2006. Payment protection insurance, October, OFT 869, London.
Paper not yet in RePEc: Add citation now
- Okeahalem, C.C., 2008. Does Bancassurance Reduce the Price of Financial Services Products, J. Finan. Intermediation, 33, 147-162.
Paper not yet in RePEc: Add citation now
- Polden, D.J., 1983. The Antitrust Implications of Credit Insurance Tying Arrangements, Drake Law Review, 32, 861-912.
Paper not yet in RePEc: Add citation now
Pyrce G., Keoghan, M., 2002. Theory and Estimation of the Mortgage Payment Protection Insurance Decision, Scot. J. Polit. Economy, 49, 216-234.
Ranyard, R., Hinkley, L, Williamson, J, McHugh, S., 2006. The role of mental accounting in consumer credit decision processes, J. Econ. Psych., 27, 571-588.
Schmid, M.M., Walter, I., 2009. Do financial conglomerates create or destroy economic value, J. Finan. Intermediation, 18, 193-216.
Shogren, J.F., 1990. The Impact of Self Protection and Self Insurance on Individual Response to Risk, J. Risk Uncertainty, 3, 191-204.
- Soto, G.M., 2009. Study on the calculation of the annual percentage rate of charge for consumer credit agreements, Directorate-General Health and Consumer Protection, European Commission, Brussels.
Paper not yet in RePEc: Add citation now
- Spahr, R.W., Escolas, E.L., 1986. Mortgage Guaranty Insurance: A Unique Style of Insurance, J. Risk Ins., 53, 308-319.
Paper not yet in RePEc: Add citation now
Stiroh, K.J., Rumble, A., 2006. The dark side of diversification: The case of US financial holding companies, J. Banking Finance, 30, 2131-2161.
- Thematic update, September, London Financial Services Authority, 2007b. The sale of payment protection insurance â phase III mystery shopping results, Consumer Research 61, September, London.
Paper not yet in RePEc: Add citation now
Valverde, S.C., FernÃndez, F.R., 2007. The determinant of bank margins in European banking, J. Banking Finance, 31, 2043-2063.
- Yeager, T.J., Yeager, F.C., Harshman, E. 2007. The Financial Services Modernisation Act: Evolution or Revolution?, J. Econ. Bus., 59, 313-339.
Paper not yet in RePEc: Add citation now