Banking Course Outline

The banking industry has undergone major upheaval in recent years, largely due to the lingering recessionary environment and increased regulatory environment. Many banks have failed in the face of such tough environmental conditions. These conditions

Although the Canadian Bank oligopoly has traditionally been uncontested, the environment in which they operate is experiencing significant change. In order for retail banks to remain relevant in a decade, they must make significant changes to their business model. International political landscape tensions hinder international ambitions of banks and while the increased regulation is viewed as an additional burden, it is currently one of the rare forces keeping new entrants from dominating the entire industry. The Canadian population is facing a significant shift affecting the banks environment, their customer base includes an increasing proportion of millennials, women and visible minorities. Canada has the second largest population of foreign born habitants, and due to mass migration this trend will intensify.

First, the essay is well constructed because Mae explains the issue and opposing positions clearly and in an engaging way. Mae includes quotes from articles and explains them thoroughly to show their relevance to the

Using you knowledge AND the documents provided, write a well-reasoned essay on the following prompt:

Banks owe their customers a number of duties so long as the banker-customer relationship is formed . The banker-customer relationship will normally be governed by the law of contract. However,

b. List three differences you found between the accounts and features this bank or credit union offers and the bank from question 1 above. (1-3 sentences. 1.0 points)

• Follow standard formatting. Your essay should be a minimum of 1000 words and a maximum of 1500 words, typewritten (Times New Roman, 12 point font), double-spaced with 1-inch margins. Acceptable citation style is Chicago (footnotes or endnotes). For additional information, go to

Be sure to provide a strong and specific thesis statement with a nice introduction to your essay. Also be sure to provide names, dates, book titles, court cases, statistics and any and all other relevant facts you can think of to support your answer. Staple this sheet to the front of your essay and be sure to follow the formatting rules discussed for previous FRQ’s.

Create an outline for the Debate Paper that will be used to write the paper. Include all references to be used in the paper.

In Paulo Freire’s essay “The Banking Concept of Education,” he discusses the flaws he has seen in the education system. Specifically he argues that in most education systems the students are just empty receptacles being filled by their teachers, there is no dialog between the teacher and students. Freire thinks that in education learning should not be a one way thing, there should be a dialog going on between the teacher and students. Another big point Freire emphasizes in his essay is active learning, so that everyone is learning and participating. In Freire’s essay he proposes a new way of learning/a new concept of learning called the “problem posing concept.” Another point Freire makes in his problem-posing concept is that education is

a disability related need for a modification or reasonable accommodation in this course please contact the

There are various categories of banking; these include retail banking, directly dealing with small businesses and persons. Commercial and Corporate banking which offers services to medium and large businesses (Koch & MacDonald 2010). Private banking, deals with individuals, offering them one on one service. The last category is investment banking. These help clients to raise capital and often invest in financial markets. Most global banking institutions provide all these services combined. With all these institutions in existence within the same localities and offering similar services, there is a need to regulate the industry so as to protect the consumer and provide fair working environment for all banks (Du & Girma, 2011).

For the topic you choose: 1. Support your ideas with specific, illustrative examples. If there are questions or points associated with your chosen

• Compliance: Evaluating adequacy of compliance risk management and assessing banks’ effectiveness in identifying and responding to risks posed by new products, services, or terms. Examiners will also assess compliance with the following: – new requirements for integrated mortgage disclosure under the Truth in Lending Act of 1968 and the Real Estate Settlement Procedures Act of 1974. – relevant consumer laws, regulations, and guidance for banks under $10 billion in assets. – Flood Disaster Protection Act of 1973 and the Service members Civil Relief Act of 2003.

The selection above is provided to make student aware of focus of the essay.  The complete essay begins below.