Regulamento Financeiro

What is an AML Risk Assessment? A money laundering risk assessment is a process that analyses a business’s risk of exposure to financial crime. The process aims to identify which aspects of the business put it at risk of exposure to money laundering or terrorist financing. O que é AML…

Quais são os contras de uma venda curta? As desvantagens de uma venda curta: É preciso assumir a responsabilidade pela venda da sua casa contra uma execução hipotecária. O processo de aprovação pode ser demorado (nós tratamos disso por si). Há potenciais ramificações fiscais para uma venda curta ou execução…

A red flag is a warning or indicator, suggesting that there is a potential problem or threat with a company’s stock, financial statements, or news reports. O que é um exemplo de bandeira vermelha? “[Por exemplo], uma bandeira amarela pode incluir dificuldades de comunicação emocional de que a pessoa está…

Section 16 imposes filing standards for “insiders,” and defines insiders as any officers, directors, or stockholders who possess stock that directly or indirectly results in beneficial ownership of more than 10% of the company’s common stock or other class of equity. O que significa estar isento da secção 16? Tanto…

The purpose of the Suspicious Activity Report (SAR) is to report known or suspected violations of law or suspicious activity observed by financial institutions subject to the regulations of the Bank Secrecy ActBank Secrecy ActThe Currency and Foreign Transactions Reporting Act of 1970—which legislative framework is commonly referred to as…

A short sale can take up to six months to be approved because many factors can slow the process down. You might be able to reduce the time it takes to be approved by asking your agent for some information before making an offer. Porque é que demora tanto tempo…

Qual é o requisito mínimo de capital para um banco? Segundo Basileia III, o rácio mínimo de adequação de capital que os bancos devem manter é de 8%. Qual é o capital mínimo pago pelos bancos na Nigéria? O capital social mínimo realizado a ser mantido para licença bancária a…

An “accounting disclosure” is a statement that recognizes the financial policies of a firm or business. This statement shows expenses and profits over a duration of time. An accounting policy statement is disclosed for both the present investors in the business and for potential investors. O que é a divulgação…

In a short sale, a seller will decide to submit a financial package, seeking a lender’s approval to sell the property for less than the amount they owe on it. Therefore, the seller enters into this process voluntarily, which is not the case for foreclosures. Qual é a desvantagem de…

Rule 3040 prohibits an associated person from selling any security “away” from the member firm unless the firm has authorized the associated person to make the sale. Rule 3040 applies to all sales of securities, including promissory notes that are securities. O que é a regra FINRA 5%? A regra…

O que significa quando um Estado é regulamentado? O termo estado regulador refere-se à expansão da utilização pelo Estado de técnicas e instituições de regulamentação, monitorização e execução e a uma mudança paralela na forma como as suas funções positivas ou negativas na sociedade estão a ser desempenhadas. O que…

filmmaker Alex GibneyAlex Gibney, known for his documentaries on Enron, Wikileaks, Scientology and more. O que é dinheiro sujo? dinheiro sujo (incontável) (idiomático) Dinheiro que é obtido ilegalmente, transferido ilegalmente ou utilizado ilegalmente, especialmente dinheiro ganho através de falsificação, suborno, prostituição, lavagem de dinheiro, ou roubo. Quem dirigiu o dinheiro…

FinCEN’s regulations under Section 314(a) enable federal, state, local, and foreign (European Union) law enforcement agencies, through FinCEN, to reach out to more than 34,000 points of contact at more than 14,000 financial institutions to locate accounts and transactions of persons that may be involved in terrorism or … O…

Recordkeeping. Section 326 of the Act requires reasonable procedures for maintaining records of the information used to verify a person’s name, address, and other identifying information. The proposed regulation sets forth recordkeeping procedures that must be included in a bank’s CIP. O que é que a Secção 311 do Patriot…

1. How does discretionary authority promote bureaucratic independence? Powers of the federal bureaucracy to implement policy — After the president signs a bill into law or issues an executive order, the federal bureaucracy is responsible for implementing that policy. Como é que a autoridade discricionária promove o poder burocrático de…

Redistributive agencies—those concerned with fiscal, monetary, and welfare policy—transfer money between the public and private spheres and influence spending and investment. Quais são os três tipos de agências independentes? Existem três tipos principais de agências independentes: agências executivas independentes, comissões reguladoras independentes, e empresas governamentais. O que é uma agência…

You must be registered with FINRA if you’re engaged in the securities business of your firm, which includes salespersons, branch managers, department supervisors, partners, officers and directors. You are required to pass qualification exams to demonstrate competence in your particular securities activities. Como posso saber se estou registado em FINRA?…

Companies conducting an offering under Rule 506(b) can raise an unlimited amount of money and can sell securities to an unlimited number of accredited investors. An offering under Rule 506(b), however, is subject to the following requirements: no general solicitation or advertising to market the securities. O que é uma…

Quais são as desvantagens de uma venda curta? Learn seven risks of a short sale so you can plan properly and decide if it could be the right investment for you. Long Process. … Subject to the Mortgage Lender’s Approval. … Lender Could Counter, Reject or Not Respond. … Opportunity…

The primary purpose of CALEA is to improve the delivery of public safety services by maintaining a comprehensive body of law enforcement standards, establishing and administering an accreditation process, and recognizing professional excellence. Que percentagem de agências policiais americanas são certificadas pela CALEA? A CALEA credita cerca de 5% de…