Financial Advice,Differentiated Consumers,and the Regulation of Equity‐release Transactions

In an asset‐based welfare context, which encourages the drawdown of housing equity to meet financial needs in later life, it is anticipated that the use of equity‐release products will become increasingly prevalent. In the last decade, and reflecting the strategic significance and high risk associated with this section of the home finance market, targeted equity‐release products (lifetime mortgages and home reversion plans) have come under the regulatory remit of the Financial Conduct Authority (FCA). The FCA's approach to equity release is geared around professional financial and legal advice. Drawing on findings from a new qualitative study, purposively sampled according to socioeconomic circumstances at the time of the transaction, this article explores the role of financial advice within the factors that shape equity‐release decision making, and considers the implications of the FCA's regulatory commitment to the ‘advice paradigm’ in meeting (or not) the needs of a differentiated consumer population.     

Comparison of outcomes of patients with personality disorder to patients with mental illness,following discharge from medium secure hospital: systematic review

Background: Medium secure hospitals (MSHs) are costly yet outcome studies, particularly regarding the differential effects of diagnosis, are scant. Research Question: Are there differences in outcomes after MSH discharge for patients with PD compared to patients with mental illness (MI): systematic review. Method: Systematically reviewed studies which distinguished outcomes for patients with PD from those with MI, regarding reconvictions, readmissions and/or mortality rates. Results: From eight studies, comprising 1017 patients, mean reconviction rates per 100,000 person-years for patients with PD were higher (14,369) than those with MI (7799). However, mean readmission and mortality rates were lower (8403 and 668 per 100,000 person-years) compared to those with MI (13,390 and 1083) per 100,000 person-years. Conclusions: Diagnosis appears to differentially impact on reconviction, readmission and mortality rates. Services could tailor pathways to prioritise symptom management and promoting healthy lifestyles for patients with MI, and reducing reoffending for patients with PD.     

Police oversight in the United Kingdom: The balance of independence and collaboration

A key feature of modern policing is external oversight of alleged police misconduct. The present paper focuses on the three UK oversight agencies: the Independent Police Complaints Commission (IPCC), the Police Complaints Commissioner for Scotland (PCCS); and the Police Ombudsman for Northern Ireland (PONI). Document analysis and interviews were utilized to highlight the different models of oversight with regard to the balance of responsibility for complaint investigations. The PONI exemplifies a model of regulatory independence that provides a strong challenge to the very limited PCCS model and intermediate IPCC model. An emerging trend was indentified of co-operation between external and internal agency personnel working towards police reform and areas in which oversight agencies can contribute to reform are presented.     

Empirical evaluation of a technology acceptance model for mobile policing

Technology acceptance in policing is under-researched, yet mobile devices are widely implemented across UK police forces. The paper validates a mobile technology acceptance model (M-TAM) developed in a single police force. It shows that the M-TAM is transferrable to other UK police forces, and potentially worldwide. The influence of local supervision and fit of technology to roles and tasks are shown to be the most influential factors. Factors beyond the technology itself, such as the influence of peers and involvement of operational officers in technology investment decisions, must be considered to accommodate the strong cultural barriers in policing.     

SERVICE UTILIZATION AND SATISFACTION WITH SERVICE PROVIDERS IN VICTIMS OF RAPE AND SEXUAL ASSAULT

The aim of the present study was to investigate service utilization and satisfaction with service delivery among victims of rape and sexual assault. The victims completed a questionnaire comprising questions about whether they felt they received the appropriate help following an assault and whether they were met with positive staff attitudes within the public treatment system. The victims completed the questionnaire at three different time points： one month, three months and six months following an assault. Results showed that a high number of victims were satisfied with the support and treatment they received from psychologist and other part of the public help system. However, a high number of victims also reported receiving insufficient help from the social service and the police. Results are discussed in terms of consequences for victim recovery and the importance of receiving feedback from the victims in order to improve public service provision for victims of rape and sexual assault.     

The Co-occurrence of Child and Intimate Partner Maltreatment in the Family: Characteristics of the Violent Perpetrators

This study considers the characteristics associated with mothers and fathers who maltreat their child and each other in comparison to parents who only maltreat their child. One hundred and sixty-two parents who had allegations of child maltreatment made against them were considered. The sample consisted of 43 fathers (Paternal Family—PF) and 23 mothers (Maternal Family—MF) who perpetrated both partner and child maltreatment, together with 23 fathers (Paternal Child—PC) and 26 mothers (Maternal Child—MC) who perpetrated child maltreatment only. In addition, 2 fathers (Paternal Victim—PV) and 23 mothers (Maternal Victim—MV) were victims of intimate partner maltreatment and perpetrators of child maltreatment and 7 fathers (Paternal Non-abusive Carer—PNC) and 15 mothers (Maternal Non-abusive Carer—MNC) did not maltreat the child but lived with an individual who did. Within their family unit, 40.7% of parents perpetrated both intimate partner and child maltreatment. However, fathers were significantly more likely to maltreat both their partner and child than mothers and mothers were significantly more likely to be victims of intimate partner violence than fathers. PF fathers conducted the highest amount of physical and/or sexual child maltreatment while MC and MV mothers perpetrated the highest amount of child neglect. Few significant differences between mothers were found. PF fathers had significantly more factors associated with development of a criminogenic lifestyle than PC fathers. Marked sex differences were demonstrated with PF fathers demonstrating significantly more antisocial characteristics, less mental health problems and fewer feelings of isolation than MF mothers. MC mothers had significantly more childhood abuse, mental health problems, parenting risk factors and were significantly more likely to be biologically related to the child than PC fathers. This study suggests that violent families should be assessed and treated in a holistic manner, considering the effects of partner violence upon all family members, rather than exclusively intervening with the violent man. Requests for reprints should be sent to Louise Dixon, Center for Forensic and Family Psychology, School of Psychology, University of Birmingham, Edgbaston, Birmingham, B15 2TT, United Kingdom.     

Are Men Sexually Harassed? If So,by Whom?

Research on sexual harassment has recently expanded to include examination of men's experiences. Such research, however, has ignored the power dynamics involved in sexual harassment and typically assumed exclusively heterosexual situations. We examine legal cases illustrating the many forms that male–male harassment may take and the complex array of situations in which such harassment occurs. We then report the frequencies of experiences of harassment in three large samples of working men as well as the sex of the perpetrators of the harassment. Finally, we examine men's evaluations of these situations to determine the degree to which they found them to be harassing in a psychological sense. Our results indicate that men experience potentially sexually harassing behaviors from other men at least as often as they do from women; however, men in all samples reported relatively few negative reactions to these experiences. Future research should examine the predictors and outcomes of such situations to clarify the meaning of such behavior for male targets.