R.S.J. Martha,The Financial Obligation in International Law

Netherlands International Law Review -     

The Distribution of Household Property Crimes

Previous studies have established that repeat victimizations occur more frequently than would be expected if households within a particular area were victimized randomly. This implies that characteristics of the household affect the victimization rate. Even controlling for these characteristics, we find that a Poisson model does not capture the distribution of victimizations because repeat victimizations are more concentrated than it would indicate. This leads us to adopt the negative binomial generalization of the Poisson model. Our analysis uses sociodemographic attributes of the household and community-level characteristics to predict victimizations, with the victimization data being the observed number of property crime victimizations from the 1992 British Crime Survey. The negative binomial generalization is found to be highly statistically significant and the crime concentration it implies becomes much more marked as the predicted number of victimizations increases.     

The FSA's ‘Treating Customers Fairly’ (TCF) Initiative: What is So Good About It and Why It May Not Work

This article examines the Financial Services Authority FSA's ‘Treating Customers Fairly’ (TCF) initiative as a case study of a regulatory strategy that aims to stimulate the self‐regulatory capacity of the regulated population to advance socially desirable goals – in this particular case, fair treatment for customers. It considers the development and nature of TCF and notes some difficulties that jeopardize its overall effectiveness. Parts one and two of the article consider the development and nature of TCF, while part three examines its appeal. Part four provides an overview of some problematic aspects of the FSA's initiative. The conclusion draws together the main threads of the analysis and considers the future of TCF and, more generally, consumer protection in the United Kingdom's system of financial regulation. The aim is to make a modest contribution to the debate about the proper direction of the present reform of financial regulation.     

Personal Criminal Victimization in the United States: Fixed and Random Effects of Individual and Household Characteristics

The present research is concerned with multilevel modeling of personalvictimization rates. Data from the 1994 National Crime Victimization Surveyare employed. Following the routine activities and lifestyle victimizationtheory, individuals' profile and lifestyle as well as characteristics oftheir household comprise the set of explanatory variables. The results ofestimated multilevel negative binomial models, which explicitly disentanglethe unexplained heterogeneity between individuals and between households,are discussed. The estimated random effects of household characteristicsshow that the unexplained heterogeneity for the average number of personalcrimes differs across household types. Further, the individual covariateswith between households random effects become less influential the more thebase personal crime rates are high.     

'Nuisance' phone calls to women in England and Wales

Obscene or nuisance phone calls are particularly targeted towards women. Employing data from two sweeps of the British Crime Survey a decade apart (BCS 1982 and BCS 1992), this work attempts to measure the effects of individual socio-economic characteristics and victimization history of women in England and Wales on their likelihood of receiving at least one nuisance call. To make the logit modelling analysis more tangible, risks of nuisance calls are calculated from our models of five hypothetical women, single mother, professional, student, housewife and pensioner, with specific attributes taken from the set of explanatory variables.