dgrace@icurn.org

REGULATION & SUPERVISION    ♦    FINANCIAL INCLUSION POLICY    ♦    DEVELOPMENT

​Selected list of our blogs includes:

• Financial Consumer Protections in Unprecedented Times. April 23, 2020. Financial Access Initiative.
  
• ​​Three Principles to Help Financial Cooperatives Weather the COVID-19 Storm.  April 8, 2020. Fin Dev Gateway.
  
• Deposit Insurance and Digital Financial Inclusion. October 6, 2016. CGAP
  
• How Can Indirect Deposit Insurance Work in Digital Finance? May 23, 2016. CGAP
  
• Deposit Insurance for Digital Financial Products: 3 Approaches. July 16, 2016. CGAP
  
• Three Questions for Determining if a New Product is a Deposit. June 3, 2015. CGAP
• ​Savers at Risk – A Failure of Consumer Protection.  September 16, 2013. Center for Financial Inclusion
  
• ​Preventing the Anticipated 21st Century Bank Run on Mobile Money. December 2, 2013. Center for Financial Inclusion
  
• ​Giving Clients a Fair Deal: Actionable Recommendations for Effective Client Protection. February 13, 2013. Center for Financial Inclusion
  
• 35 Central Banks Commit to Financial Inclusion. October 31, 2012. Center for Financial Inclusion​

​

Selected list of our publications includes:

• "Potential Visions and Strategic Options for Growing Financial Cooperatives in South Africa" World Bank. February 2021. 
• "Recommendations for Including Credit Unions in Barbados Deposit Insurance." Barbados Co-operative Credit Union League. April 2021.
• "National Financial Inclusion Strategy for Uganda".  Bank of Uganda. October 2017.
• ​"Creating an Enabling Environment for Financial Cooperatives" United Nation's Food and Agricultural Organization. July 2017.
• "Myanmar Microfinance Regulatory Benchmark Survey." Asian Development Bank. September 2016.
• "National Financial Inclusion Strategy" Government of Paraguay and World Bank. December 2014.
  
•  "Developing and Executing a Clear Value Proposition: Six Credit Union Case Studies." Filene Research Institute. December 2014.
  
• "Microloan Feasibility Study: Can Small Business Lending Become Big Business for Credit Unions?"  Filene Research Institute. August 2013.
  
• “MFI and SACCO On-site and Off-site Supervision Manuals”. National Bank of Rwanda on behalf of  the World Bank. 2012.
•  “Credit Union On-site Examination Manual” for the Central Bank of Belize on behalf of the International Monetary Fund. 2012.
  
• “Model Law for Credit Unions” World Council of Credit Unions (co-authored). Translated into four languages. 2000. Revised in 2005 and 2011.
  
• Global Trends Articles. ABACUS Market Intelligence Reports. 2007- 2011.
  
• “Producer collectives, cooperatives and other types of groups are not usually sustainable and do not deliver long-term benefits to small holders”. Lead debate article. Enterprise Development & Microfinance Journal.  Vol 21, No. 2. June 2010.
• "Alternative Sources of Capital for Credit Unions: International Examples". 2009.
• “Model Regulations for Credit Unions” World Council of Credit Unions (co-authored). 2008. 
  
• “Financial Cooperatives Act of Malawi 2007” and “Financial Cooperative Regulations of Malawi 2008.” Enacted law by Malawi’s Parliament.
  
• “Middle is Not a Four-letter Word ”Microbanking Bulletin. Lead article.  No. 14, pp 1-8. Spring 2007.
  
• "International Credit Union Consumer Protection Principles.” World Council of Credit Unions. 2008.
  
• Global Credit Union Perspectives” Strategic Intelligence Report. Credit Union Central of Canada. 2007.
  
• “Exploring the Credit Union Experience with Remittances in the Latin American Market,”  Remittances.  Samuel Maimbo editor. Chapter 8. World Bank. 2005.
  
• “Using Remittances to Build Financial Relationships with Credit Unions,” Small Enterprise Development Journal. United Kingdom. March 2004.
  
• “Emerging Payments Primers: Net Settlement, Electronic Cash, Home Banking and Debit Cards,”  Federal Reserve Bank of St. Louis. 1996-1997.

PUBLICATIONS