Andrew Schmulow

University of Wollongong, School of Law

Northfields Avenue

Wollongong, New South Wales 2522

Australia

Clarity Prudential Regulatory Consulting Pty Ltd

Principal

Level 5, 306 Little Collins Street

Melbourne

Victoria, Victoria 3000

Australia

http://www.clarityprc.com.au

Oliver Schreiner School of Law

Visiting Researcher

PBag X3, WITS

2050 Johannesburg

South Africa

Centre for International Trade

Visiting Researcher

206 International Hall

Seoul 110-745, 110-745

Korea, Republic of (South Korea)

SCHOLARLY PAPERS

18

DOWNLOADS
Rank 25,105

SSRN RANKINGS

Top 25,105

in Total Papers Downloads

3,722

SSRN CITATIONS
Rank 42,688

SSRN RANKINGS

Top 42,688

in Total Papers Citations

13

CROSSREF CITATIONS

7

Scholarly Papers (18)

1.

Approaches to Financial System Regulation: An International Comparative Survey

CIFR Paper No. 53/2015
Number of pages: 65 Posted: 29 Jan 2015
Andrew Schmulow
University of Wollongong, School of Law
Downloads 562 (88,717)

Abstract:

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2.

Twin Peaks: A Theoretical Analysis

CIFR Paper No. WP064/2015
Number of pages: 42 Posted: 02 Jul 2015 Last Revised: 12 Feb 2018
Andrew Schmulow
University of Wollongong, School of Law
Downloads 555 (90,136)
Citation 3

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3.

The Four Methods of Financial System Regulation: An International Comparative Survey

(2015) 26 JBFLP 151, UWA School of Law Research Paper
Number of pages: 23 Posted: 05 Dec 2017 Last Revised: 28 Jan 2018
Andrew Schmulow
University of Wollongong, School of Law
Downloads 467 (111,340)
Citation 1

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4.

The Financial Sector Regulation Bill in South Africa: Lessons from Australia

CIFR Paper No. 52/2015
Number of pages: 24 Posted: 29 Jan 2015
Andrew Godwin and Andrew Schmulow
Melbourne Law School and University of Wollongong, School of Law
Downloads 343 (158,032)
Citation 7

Abstract:

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5.

Cambridge Handbook of Twin Peaks Financial Regulation

Godwin, Andrew & Andrew Schmulow, eds., The Cambridge Handbook of Twin Peaks Financial Regulation, published by Cambridge University Press, Cambridge, UK, 2021, 978-1-107-18642-2.
Number of pages: 1 Posted: 16 Mar 2021
Andrew Schmulow
University of Wollongong, School of Law
Downloads 316 (173,224)

Abstract:

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6.

South Africa’s National Credit Act: Successes (and Failures) in Preventing Reckless and Predatory Lending

Number of pages: 23 Posted: 16 Apr 2019
Andrew Schmulow, Tanya Ann Woker and Corlia van Heerden
University of Wollongong, School of Law, affiliation not provided to SSRN and Independent
Downloads 248 (221,173)

Abstract:

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consumer, credit, debt, reckless, predatory, lending

7.

Constructing an EU Ethics Oversight Authority

Number of pages: 68 Posted: 21 Dec 2022
Andrew Schmulow, Jeff Hauser and Alberto Alemanno
University of Wollongong, School of Law, Revolving Door Project (RDP) and HEC Paris
Downloads 226 (242,059)

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Ethics, Integrity, Conflict Of Interest, Revolving Door, EU Ethics, EU Law, Statute Of EU Officials, MEPs

8.

Consumer Financial Well-Being in South Africa’s Twin Peaks Regulatory Regime: From Measurement, to Confidence in Outcomes

Schmulow, Andrew, "Consumer financial well-being in South Africa’s Twin Peaks regulatory regime: from measurement, to confidence in outcomes", The International Review of Financial Consumers, Vol. 5, no. 2, October, 2020, pp: 11-18, 2508-464X; 2508-3155, https://93b0681a-29ae-4462-a53e-3d71b0687faa.
Number of pages: 11 Posted: 13 Feb 2021
Andrew Schmulow
University of Wollongong, School of Law
Downloads 166 (319,714)
Citation 1

Abstract:

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Twin Peaks, Financial System Regulation, Treating Customers Fairly, TCF, Consumer Protection, Consumer Financial Well-Being, Financial Sector Regulation Act, Conduct of Financial Institutions Bill, CoFI

9.

Financial Regulatory Governance in South Africa: The Move Towards Twin Peaks

African Journal of International and Comparative Law, Vol. 25, No. 3, p. 393-417, 2017, UWA School of Law Research Paper No. 2018
Number of pages: 43 Posted: 26 Feb 2018 Last Revised: 03 Apr 2018
Andrew Schmulow
University of Wollongong, School of Law
Downloads 139 (369,968)
Citation 1

Abstract:

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Twin Peaks, Financial System Regulation, Financial Crises

10.

Curbing Reckless and Predatory Lending: A Statutory Analysis of South Africa's National Credit Act

(2016) 24(3) Competition and Consumer Law Journal 220, UWA School of Law Research Paper
Number of pages: 29 Posted: 05 Dec 2017 Last Revised: 04 Apr 2023
Andrew Schmulow
University of Wollongong, School of Law
Downloads 116 (424,561)

Abstract:

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11.

Twin Peaks 2.0: Reforming Australia's Financial Regulatory Regime in Light of Failings Exposed by the Banking Royal Commission

Number of pages: 16 Posted: 08 May 2019
Andrew Schmulow, Karen Fairweather and John Tarrant
University of Wollongong, School of Law, University of Auckland and The University of Western Australia Law School
Downloads 111 (438,515)

Abstract:

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Twin Peaks, regulating the regulator, capture, good conduct, financial system, financial system architecture, Board of Oversight, Sentinel, Financial Regulator Assessment Board, Banking Royal Commission

12.

Twin Peaks 2.0: Avoiding Influence Over an Australian Financial Regulator Assessment Authority

Schmulow, Andrew, Paul Mazzola & Daniel de Zilva, 'Twin Peaks 2.0: Avoiding Influence Over an Australian Financial Regulator Assessment Authority', Federal Law Review, Vol. xx, no. x, x October, 2021, pp: xx-xxx, 0067-205X, 1444-6928, https://doi.org/10.1177/0067205X211039888.
Number of pages: 25 Posted: 28 Sep 2021 Last Revised: 29 Sep 2021
Andrew Schmulow
University of Wollongong, School of Law
Downloads 90 (506,213)

Abstract:

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regulatory capture, regulatory theory, organisational theory, organisational psychology, Twin Peaks regulation, Banking Royal Commission, Financial System Inquiry, Financial Regulator Assessment Authority, Hayne Royal Commission, Financial Regulator Assessment Authority A

13.

Restoring Confidence in Consumer Financial Protection Regulation in Australia: A Sisyphean Task?

Number of pages: 36 Posted: 16 Apr 2019
Andrew Schmulow, Karen Fairweather and John Tarrant
University of Wollongong, School of Law, University of Auckland and The University of Western Australia Law School
Downloads 90 (506,213)
Citation 2

Abstract:

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Twin Peaks, regulating the regulator, capture, good conduct, financial system, financial system architecture, Board of Oversight, Sentinel, Financial Regulator Assessment Board, Banking Royal Commission

14.

Retail Market Conduct Reforms in South Africa Under Twin Peaks

(2018) Law and Financial Markets Review, DOI: 10.1080/17521440.2017.1419613, UWA School of Law Research Paper No. 2018
Number of pages: 28 Posted: 20 Feb 2018 Last Revised: 03 Apr 2018
Andrew Schmulow
University of Wollongong, School of Law
Downloads 89 (509,794)
Citation 1

Abstract:

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Conduct of Financial Institutions Bill South Africa

15.

Regulating the Regulator: Improving Consumer Protection Under a Twin Peaks Regulatory Framework

Number of pages: 36 Posted: 22 Apr 2019
Andrew Schmulow
University of Wollongong, School of Law
Downloads 67 (600,272)

Abstract:

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Twin Peaks, regulating the regulator, capture, good conduct, financial system, financial system architecture, Board of Oversight, Sentinel, Financial Regulator Assessment Board, Banking Royal Commission

16.

AFCA: The First Foothill between Australia’s Twin Peaks

Schmulow, Andrew, Virginia Dore, Jacob Reardon & William Hanna, "AFCA: The first foothill between Australia’s Twin Peaks", Law and Financial Markets Review, Vol. 14, no. 3, 15 September, 2020, 1752-1459, https://doi.org/10.1080/17521440.2020.1810906.
Number of pages: 39 Posted: 03 Feb 2021
Andrew Schmulow, Virginia Dore, Jacob Reardon and William Hanna
University of Wollongong, School of Law, University of Wollongong, University of Wollongong and University of Wollongong
Downloads 47 (709,285)
Citation 1

Abstract:

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financial regulation, Australia, Ombuds, AFCA, Twin Peaks, consumer protection, Royal Commission

17.

Protection of Financial Consumers in Australia

Number of pages: 42 Posted: 16 Apr 2019
Andrew Schmulow and James O'Hara
University of Wollongong, School of Law and affiliation not provided to SSRN
Downloads 47 (709,285)
Citation 1

Abstract:

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18.

ASIC, Now Less a Corporate Watchdog, More a Lapdog

Schmulow, A., "ASIC, now less a corporate watchdog, more a lapdog," The Conversation, 14 September 2021, https://theconversation.com/asic-now-less-a-corporate-watchdog-more-a-lapdog-167532
Number of pages: 1 Posted: 20 Nov 2021
Andrew Schmulow
University of Wollongong, School of Law
Downloads 43 (735,205)

Abstract:

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regulatory capture; Royal Commission of Inquiry into Misconduct in the Banking, Superannuation and Financial Services Industry