{"id":427,"date":"2010-05-20T11:55:00","date_gmt":"2010-05-20T15:55:00","guid":{"rendered":"http:\/\/www.intuitiveinvestor.com\/web\/?p=427"},"modified":"2018-08-18T17:56:15","modified_gmt":"2018-08-18T21:56:15","slug":"a-creative-spark-about-financial-regulation","status":"publish","type":"post","link":"https:\/\/jasonapollovoss.com\/web\/2010\/05\/20\/a-creative-spark-about-financial-regulation\/","title":{"rendered":"A creative spark about financial regulation"},"content":{"rendered":"<p><span style=\"font-size: 16px;\">I thought I would share with you a creative inspiration I had this morning about financial regulation.\u00a0 Currently banks and other financial institutions contribute monies to insurance programs such as the Federal Deposit Insurance Corporation (FDIC).\u00a0 What if these institutions were forbidden from taking on risks greater than the amount of insurance they had purchased?\u00a0 That would mean that financial bailouts were <span class=\"goog-spellcheck-word\">pre<\/span>-funded.\u00a0 That would mean that bailouts would not come out of the hide of the public.<\/span><\/p>\n<p><span style=\"font-size: 16px;\">I will try and explore whether or not this is feasible.\u00a0 One potential unintended consequence would be a seizing up of lending by financial institutions while they got their insurance premiums in accord with the risks they already have on their books.\u00a0If this were a problem however, this could be handled by phasing in the regulations over the course of 5-7 years.<\/span><\/p>\n<p><span style=\"font-size: 16px;\"><span class=\"goog-spellcheck-word\">Hmmm<\/span>.\u00a0 This might just work.<\/span><\/p>\n<p><span style=\"font-size: 16px;\">Jason<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I thought I would share with you a creative inspiration I had this morning about financial regulation.\u00a0 Currently banks and other financial institutions contribute monies to insurance programs such as the Federal Deposit Insurance Corporation (FDIC).\u00a0 What if these institutions were forbidden from taking on risks greater than the amount of insurance they had purchased?\u00a0 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[3],"tags":[],"class_list":["post-427","post","type-post","status-publish","format-standard","hentry","category-the-blog"],"_links":{"self":[{"href":"https:\/\/jasonapollovoss.com\/web\/wp-json\/wp\/v2\/posts\/427","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jasonapollovoss.com\/web\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jasonapollovoss.com\/web\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jasonapollovoss.com\/web\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/jasonapollovoss.com\/web\/wp-json\/wp\/v2\/comments?post=427"}],"version-history":[{"count":0,"href":"https:\/\/jasonapollovoss.com\/web\/wp-json\/wp\/v2\/posts\/427\/revisions"}],"wp:attachment":[{"href":"https:\/\/jasonapollovoss.com\/web\/wp-json\/wp\/v2\/media?parent=427"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jasonapollovoss.com\/web\/wp-json\/wp\/v2\/categories?post=427"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jasonapollovoss.com\/web\/wp-json\/wp\/v2\/tags?post=427"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}