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Financial Disputes and Protection of Financial Consumers



For some two decades, disputes between financial institutions and financial consumers have taken places all around the world. From the disputes do financial consumers suffer financially and even go bankrupt. Financial institutions have to reimburse the losses financial consumers suffer, too, and they themselves also suffer in terms of reputation. We explore the fundamental causes of, and effective resolutions of, financial disputes. We find that the former are, among others, misguided financial education, laws, and cultures and norms of a society and that the latter are an emphasis on bounded rationality of consumers in financial education, behaviorally based financial policies, change in cultures and norms of a society toward consumer protection, and improvement in unequal legal system. We also examine what kind of a role each of the six causes of financial disputes plays in evolution of process of a financial dispute.