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  1. Occasional Paper No. 37: Flash Crash in an OTC Market [pdf]

    Occasional papers Published: 12/06/2018
  2. Occasional Paper No. 37: Flash Crash in an OTC Market

    Occasional papers Published: 12/06/2018 Last modified: 12/06/2018
    This Occasional Paper contributes to the research on flash crashes which are high-profile episodes that can be thought of as short-lived malfunctions of capital markets typically involving a substantial price change and a drying up of liquidity
  3. Occasional Paper No. 36: Sending out an SMS: The impact of automatically enrolling consumers into overdraft alerts [pdf]

    Occasional papers Published: 31/05/2018
  4. Occasional Paper No. 36: Sending out an SMS: The impact of automatically enrolling consumers into overdraft alerts

    Occasional papers Published: 31/05/2018 Last modified: 31/05/2018
    As part of the high-cost credit review, the FCA wanted to understand the impact of auto enrolling customers into overdraft and unpaid item (retry) alerts on customer overdrafting behaviour. Occasional Paper No. 36 (PDF). Incidental charges
  5. Occasional Paper No. 35: Six of One…? Choice of Intermediary in the UK Mortgage Market [pdf]

    Occasional papers Published: 04/05/2018
    This Occasional Paper contributes to the FCA mortgages market study by providing evidence of how mortgage price varies across intermediaries and investigating the potential drivers.
  6. Occasional Paper No. 33: Choices of dominated mortgage products by UK consumers [pdf]

    Occasional papers Published: 04/05/2018
    This Occasional Paper adds to the evidence on these topics by investigating a uniquely granular combination of lending transaction reports, detailed product information and credit files for nearly 700,000 UK households that took out a mortgage between January 2015 and July 2016.
  7. Occasional Paper No. 34: Effects of the advice requirement and intermediation in the UK mortgage market [pdf]

    Occasional papers Published: 04/05/2018
    This Occasional Paper uses the introduction of the MMR to investigate two questions. First, we estimate the impact of the new advice requirement on the outcomes of those directly affected: consumers who chose not to receive advice before the MMR. Second, we estimate the post-MMR effect of using an intermediary rather than going directly to a...
  8. Occasional Paper No. 35: Six of One…? Choice of intermediary in the UK mortgage market

    Occasional papers Published: 04/05/2018 Last modified: 04/05/2018
    As part of the FCA's mortgages market study, the FCA wanted to understand whether consumers’ borrowing costs vary materially depending on their choice of intermediary and, if so, why.
  9. Occasional Paper No. 33: Choices of dominated mortgage products by UK consumers

    Occasional papers Published: 04/05/2018 Last modified: 04/05/2018
    As part of the mortgages market study, the FCA wanted to understand the extent to which UK consumers might save money when buying a mortgage and to understand what may be driving some to buy more expensive mortgages. This Occasional Paper investigates a uniquely granular combination of lending transaction reports, detailed product information and...
  10. Occasional Paper No. 34: Effects of the advice requirement and intermediation in the UK mortgage market

    Occasional papers Published: 04/05/2018 Last modified: 04/05/2018
    As part of the mortgages market study, the FCA wanted to understand the extent to which UK consumers might save money when buying a mortgage and to understand what may be driving some to buy more expensive mortgages. This Occasional Paper investigates a uniquely granular combination of lending transaction reports, detailed product information and...