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Children and the Financial Regulatory Landscape in Latin America


  • Nohora Forero-Ramírez

    () (Banco de la República de Colombia)

  • Floor E. W. Knoote


  • Sofía Ortega-Tíneo



In spite of the increasing evidence that has revealed that early access to financial services has long-term impacts, children and adolescents continue to face major obstacles to be financially included, particularly in the developing world. This document presents the main results of a survey conducted among 14 Latin American countries and reports the landscape of regulation and policies that may enhance child and youth financial inclusion in the region giving policy recommendations stemming from a cross-country analysis. The results of this mapping exercise suggest that a) there is a great diversity in approaches to financial service regulation for children and youth in the region, b) The policies or intentions from national authorities do not always resonate in either regulation or implementation and c) young people are not often seen as independent economic actors.

Suggested Citation

  • Nohora Forero-Ramírez & Floor E. W. Knoote & Sofía Ortega-Tíneo, 2015. "Children and the Financial Regulatory Landscape in Latin America," Borradores de Economia 905, Banco de la Republica de Colombia.
  • Handle: RePEc:bdr:borrec:905

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    References listed on IDEAS

    1. Huang, Jin, 2013. "Intergenerational transmission of educational attainment: The role of household assets," Economics of Education Review, Elsevier, vol. 33(C), pages 112-123.
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    More about this item


    children and youth; developing countries; financial capability; financial education; financial inclusion; regulatory framework.;

    JEL classification:

    • D18 - Microeconomics - - Household Behavior - - - Consumer Protection
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • O10 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - General


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