Sue Rutledge Head, World Bank Global Program Consumer Protection & Financial Literacy
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1 Wrld Bank/Internatinal Mnetary Fund/ Federal Reserve System Seminar fr Senir Bank Supervisrs frm Emerging Ecnmies Sue Rutledge Head, Wrld Bank Glbal Prgram Cnsumer Prtectin & Financial Literacy 24 Octber 2011 Washingtn, D.C
2 Why is CPFL Imprtant? Fr Sund and Stable Financial Markets FSB Reprt t G20 (Nvember 2011) highlighted impact f weak CPFL in cntributing t glbal financial crisis Cnsumer prtectin is part f Cre Principles/Precnditins: Banking Precnditin f effective banking supervisin fr BCP Depsit insurance Cre principle fr IADI Insurance Cre principle fr IAIS Securities Cre principle fr IOSCO Private pensins - Main bjective fr IOPS Internatinal remittances General principle fr CPSS CPFL is statutry bjective fr sme supervisry agencies: e.g. Canada, Clmbia, Ireland, Malaysia, Singapre, Suth Africa, Sweden, UK, US 2
3 In mst develping cuntries, less than 50% f ppulatin use banks Surce: CGAP, Financial Access
4 CPFL is Imprtant fr Financial Inclusin Equitable grwth is undermined by weak financial cnsumer prtectin Weak financial cnsumer prtectin regulatin has led t abusive r deceptive practices by sme prviders Particular issue fr micr-finance (ex. India, Pakistan, Nicaragua, Kazakhstan) but seen thrughut frmal financial services Lss f cnsumer trust in financial sectr reduces husehld use f frmal financial services Weak financial literacy increases husehlds vulnerability t abusive practices 4
5 Many Stakehlders but Financial Supervisrs Play the Key Rle GOVERNMENT Ministries (e.g. Finance, Ecnmy, Educatin) Public agencies (e.g. cnsumer prtectin, data prtectin, cmpetitin) Cuncils (e.g. cnsumer prtectin, educatin) CIVIL SOCIETY Cnsumer assciatins Debt cunseling Fundatins Academia Media FINANCIAL SUPERVISORS Financial supervisry agencies Central bank Financial cnsumer prtectin agency Cmpensatin schemes REDRESS MECHANISMS Ombudsman Arbitratin Mediatin, cnciliatin Curts FINANCIAL INDUSTRY Industry assciatins Training centers Financial institutins (incl. distributrs) Financial infrastructure (e.g. credit bureaus) INTERNATIONAL COMMUNITY Dnrs Reginal rganizatins Standard setters Internatinal assciatins 5
6 Rles f Financial Supervisrs in CPFL Prgrams 1) Issue regulatins n minimum standards f financial cnsumer prtectin Require clear cnsumer disclsure & easy access t cmparable qutes, prhibit unfair/deceptive/misleading practices 2) Review cnsumer cmplaint files t identify trends f cnsumer abuses. 3) Encurage industry assciatins t develp cnduct cdes, standard frmats n disclsure, redress mechanisms. 4) Research cnsumer behavir in use f financial prducts. 5) Mnitr financial markets fr new risks t cnsumers. 6) Prmte financial educatin f cnsumers. 6
7 Wrld Bank CPFL Prjects
8 Wrld Bank Strategy fr Cuntry CPFL Prgrams Baseline Husehld Survey f Financial Literacy & Cnsumer Behavir Input Actin Plan t Implement Recmmendatins Implementatin Prgram Fllw-up Husehld Survey Diagnstic Review f Legal & Regulatry Framewrk Feedback Lp 8
9 Wrld Bank s Gd Practices fr Financial Cnsumer Prtectin supprt G20 High Level Principles Banking Insurance Private Pensins Fcus n 4 areas: 1) Cnsumer disclsure 2) Business practices Ins 3) Cmplaints & dispute reslutin 4) Financial literacy Credit Reprting Securities Nn-Bank Credit, incl. MFI 9
10 Cnsumer Disclsure Cnsumer Disclsure Cnsumer Redress Business Practices Financial Literacy Simple Easy t understand Accessible Cmparable Hw d yu knw if it is wrking? Try cnsumer testing 10
11 Helping Cnsumers Shp Arund Makes a BIG Difference Credit Card Lans Average Interest Rates in Peru Surce: Superintendence f Banking, Insurance and Private Pensin Funds f Peru 11
12 Business Practices Cnsumer Disclsure Cnsumer Redress Business Practices Financial Literacy Free chice f financial prducts Prhibitin f unfair, abusive, misleading practices Retail sales fficers trained and qualified 12
13 Cnsumer Redress Cnsumer Disclsure Cnsumer Redress Business Practices Financial Literacy Financial mbudsman Cmplaints department in every financial institutin 13
14 Financial Literacy Cnsumer Disclsure Cnsumer Redress Business Practices Financial Literacy Husehld Surveys f Financial Literacy & Cnsumer Behavir Financial educatin targeted n: Risks/rewards Rights/bligatins Impact Measurement Studies 14
15 Wrld Bank CPFL Prjects Russia - $25 millin lan fr financial literacy and cnsumer prtectin Malawi - $3 millin credit fr CPFL prgram Azerbaijan - $1.3 millin grant frm SECO fr CPFL prgram Planning CPFL prgrams in anther cuntries ver 5 years 15
16 Wrld Bank Cntributin t Glbal Dialgue Launched Glbal Prgram n Cnsumer Prtectin and Financial Literacy Nvember 2010 Published Wrking Paper -- Cnsumer Prtectin and Financial Literacy: Lessns frm Nine Cuntry Studies June 2010 Member f Financial Stability Bard Cnsultative Grup n Financial Cnsumer Prtectin Member f OECD Task Frce n Financial Cnsumer Prtectin Develped methdlgy fr assessing cuntry financial cnsumer prtectin regimes 16
17 Wrld Bank/Internatinal Mnetary Fund/ Federal Reserve System Seminar fr Senir Bank Supervisrs frm Emerging Ecnmies Sue Rutledge Head, Wrld Bank Glbal Prgram Cnsumer Prtectin & Financial Literacy
Consumer Protection and Financial Literacy
Wrld Bank/Internatinal Mnetary Fund/Federal Reserve System Seminar fr Senir Bank Supervisrs frm Emerging Ecnmies Cnsumer Prtectin and Financial Literacy Sue Rutledge, Crdinatr Wrld Bank Glbal Prgram Octber
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