FINANCIAL REGULATION

Financial Regulation

The governing factors of the monetary system, both domestic and international.

Governing Alternate Currencies

Today, in a post-pandemic reality, the necessity to govern and protect our monetary system from outside currencies, both domestic and international, is of great concern. What will become of our financial currency moving forward?

The S.E.C. and the Post-Pandemic

In an emerging world of alternate currencies, such as Bitcoin, the Securities and Exchange Commission is tasked with protecting and preserving the US dollar and the integrity of the US stock market. How much regulation is too much? Where is the push and pull to governing fiscal currency?

Considerations of the Federal Reserve

Today, as we near an anticipated recession, the Federal Reserve stands ready to intervene during extreme financial duress. Will the Federal Reserve have as much of an impact as their role during the Great Recession or at the arrival of the Pandemic? How will they intervene moving forward?

WISE Investments

New Podcast Series: PostPandemicInvestments.com

An educational podcast series dedicated to financial awareness for both novice and seasoned investors. We discuss the ideology into creating this one-of-a-kind educational resource center, focusing on financial awareness within a post-pandemic reality.

Listen to Financial Regulation here.

Frequently Asked Questions

Financial Regulation

How can a regulatory environment effect your earnings in the stock market?

In short, regulations are designed to provide an even playing field and prohibit adverse or unfavorable actions that can hurt those involved in the investment. Unfortunately, regulations that provide these needed safeguards may inadvertently close a lucrative investment angle in order to prevent a newly-found exposure/threat.

Are stock market regulations a good thing?

It depends on who you ask and when it happens. Some regulatory actions may fall outside the box and unintentionally cause a conflict of interest for those who mean no harm. These situations can be seen as a trap, especially when a lucrative opportunity is lost from a regulatory necessity.

Have regulatory actions protected investors and the stock market in the past?

Absolutely. Most regulations transpire from an exposed area in the market that causes loss or financial pain. Typically, the more damage an event causes the greater the severity of the restriction. For example, during Great Recession and the fall of Fannie Mae and Freddie Mac, restrictions on new residential loans were placed on who could order the appraisal (previously, they were ordered by loan officers and/or realtors). This regulation helped offset the extreme pressure being put on residential appraisers to find the highest value possible, which directly overinflated many residential values just prior to the Great Recession.

When do regulations typically come into play?

Most regulatory environments surround an entity or new financial product that directly effects the monetary system as a whole. Often times, these new financial settings can trigger adverse events that no one saw coming until it was too late. One example of this is the arrival of cryptocurrency and some of the extreme losses some investors have taken on. Financial hacks and thefts within the cryptocurrency community have caused great concern to those who monitor and protect the financial system as well as to those who suffered unprecedented losses.

HISTORY OF FINANCIAL REGULATION

“If we want our regulators to do better, we have to embrace a simple idea: regulation isn't an obstacle to thriving free markets; it's a vital part of them.”

James Suroweicki - Financial Writer

Age of Easy Money (Documentary)

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