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Please mark all that apply. \n- The unit(s) or team(s) is embedded within prudential supervision functions","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"82","type":"vald"},{"value":"42","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"57","type":"freq"},{"value":"1","labl":"Yes","stats":"25","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"42","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"500","loc_end_pos":"500","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V308","name":"e5_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"sep fcp unit - sep from prud sup func, & on equal hierarchical level","var_qstn_qstnlit":"Which of the following best describes the separate unit(s) or team(s) designated to implement, oversee and\/or enforce aspects of financial consumer protection law or regulation in your agency? Please mark all that apply. \n- The unit(s) or team(s) is separate from prudential supervision functions, and on equal hierarchical level","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"82","type":"vald"},{"value":"42","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"39","type":"freq"},{"value":"1","labl":"Yes","stats":"43","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"42","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"501","loc_end_pos":"501","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V309","name":"e5_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"sep fcp unit - sep from prud sup func, & on a lower hierarchical level","var_qstn_qstnlit":"Which of the following best describes the separate unit(s) or team(s) designated to implement, oversee and\/or enforce aspects of financial consumer protection law or regulation in your agency? Please mark all that apply. \n- The unit(s) or team(s) is separate from prudential supervision functions, and on a lower hierarchical level","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"82","type":"vald"},{"value":"42","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"75","type":"freq"},{"value":"1","labl":"Yes","stats":"7","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"42","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"502","loc_end_pos":"502","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V310","name":"e6_year_grp1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"sep fcp unit - est before 2000","var_qstn_qstnlit":"Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and\/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: \n- When was the unit or team established?","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"80","type":"vald"},{"value":"44","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"75","type":"freq"},{"value":"1","labl":"Yes","stats":"5","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"44","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"503","loc_end_pos":"503","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V311","name":"e6_year_grp2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"sep fcp unit - est b\/w 2000 & 2010","var_qstn_qstnlit":"Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and\/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: \n- When was the unit or team established?","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"80","type":"vald"},{"value":"44","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"54","type":"freq"},{"value":"1","labl":"Yes","stats":"26","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"44","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"504","loc_end_pos":"504","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V312","name":"e6_year_grp3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"sep fcp unit - est after 2010","var_qstn_qstnlit":"Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and\/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: \n- When was the unit or team established?","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"80","type":"vald"},{"value":"44","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"31","type":"freq"},{"value":"1","labl":"Yes","stats":"49","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"44","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"505","loc_end_pos":"505","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V313","name":"e6_ppl_grp1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"sep fcp unit - less than 10 staff","var_qstn_qstnlit":"Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and\/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: \n- How many people does it include?","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"79","type":"vald"},{"value":"45","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"54","type":"freq"},{"value":"1","labl":"Yes","stats":"25","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"45","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"506","loc_end_pos":"506","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V314","name":"e6_ppl_grp2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"sep fcp unit - b\/w 10 & 49 staff","var_qstn_qstnlit":"Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and\/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: \n- How many people does it include?","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"79","type":"vald"},{"value":"45","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"44","type":"freq"},{"value":"1","labl":"Yes","stats":"35","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"45","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"507","loc_end_pos":"507","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V315","name":"e6_ppl_grp3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"sep fcp unit - b\/w 50 & 99 staff","var_qstn_qstnlit":"Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and\/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: \n- How many people does it include?","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"79","type":"vald"},{"value":"45","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"68","type":"freq"},{"value":"1","labl":"Yes","stats":"11","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"45","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"508","loc_end_pos":"508","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V316","name":"e6_ppl_grp4","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"sep fcp unit - 100 or more staff","var_qstn_qstnlit":"Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and\/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: \n- How many people does it include?","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"79","type":"vald"},{"value":"45","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"71","type":"freq"},{"value":"1","labl":"Yes","stats":"8","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"45","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"509","loc_end_pos":"509","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V317","name":"e7_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fcp activities - drafting or providing inputs into regulation","var_qstn_qstnlit":"What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks\/other banks\/financial cooperatives\/ODTIs\/MCIs\/NEIDs? Please mark all that apply. \n- Drafting or providing inputs into regulation","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"114","type":"vald"},{"value":"10","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"26","type":"freq"},{"value":"1","labl":"Yes","stats":"88","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"10","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"510","loc_end_pos":"510","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V318","name":"e7_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fcp activities - complaints handling","var_qstn_qstnlit":"What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks\/other banks\/financial cooperatives\/ODTIs\/MCIs\/NEIDs? Please mark all that apply. \n- Complaints handling","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"114","type":"vald"},{"value":"10","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"18","type":"freq"},{"value":"1","labl":"Yes","stats":"96","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"10","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"511","loc_end_pos":"511","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V319","name":"e7_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fcp activities - collect data on # of complaints received","var_qstn_qstnlit":"What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks\/other banks\/financial cooperatives\/ODTIs\/MCIs\/NEIDs? Please mark all that apply. \n- Collection of data from financial institutions on the number of complaints received","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"114","type":"vald"},{"value":"10","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"40","type":"freq"},{"value":"1","labl":"Yes","stats":"74","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"10","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"512","loc_end_pos":"512","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V320","name":"e7_4","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fcp activities - collect data on rates and fees for fin services","var_qstn_qstnlit":"What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks\/other banks\/financial cooperatives\/ODTIs\/MCIs\/NEIDs? Please mark all that apply. \n- Collection of data from financial institutions on rates and fees for financial services","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"114","type":"vald"},{"value":"10","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"59","type":"freq"},{"value":"1","labl":"Yes","stats":"55","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"10","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"513","loc_end_pos":"513","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V321","name":"e7_5","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fcp activities - mystery shopping","var_qstn_qstnlit":"What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks\/other banks\/financial cooperatives\/ODTIs\/MCIs\/NEIDs? Please mark all that apply. \n- Mystery\/incognito shopping","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"114","type":"vald"},{"value":"10","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"49","type":"freq"},{"value":"1","labl":"Yes","stats":"65","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"10","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"514","loc_end_pos":"514","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V322","name":"e7_6","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fcp activities - market monitoring","var_qstn_qstnlit":"What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks\/other banks\/financial cooperatives\/ODTIs\/MCIs\/NEIDs? Please mark all that apply. \n- Market monitoring, including providers' advertisements, sales materials, websites, etc.","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"114","type":"vald"},{"value":"10","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"81","type":"freq"},{"value":"1","labl":"Yes","stats":"33","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"10","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"515","loc_end_pos":"515","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V323","name":"e7_7","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fcp activities - market research","var_qstn_qstnlit":"What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks\/other banks\/financial cooperatives\/ODTIs\/MCIs\/NEIDs? Please mark all that apply. \n- Interviews, focus groups and research with consumers","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"114","type":"vald"},{"value":"10","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"82","type":"freq"},{"value":"1","labl":"Yes","stats":"32","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"10","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"516","loc_end_pos":"516","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V324","name":"e7_8","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fcp activities - on-site inspection","var_qstn_qstnlit":"What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks\/other banks\/financial cooperatives\/ODTIs\/MCIs\/NEIDs? Please mark all that apply. \n- On-site inspection and investigation of financial institutions","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"114","type":"vald"},{"value":"10","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"33","type":"freq"},{"value":"1","labl":"Yes","stats":"81","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"10","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"517","loc_end_pos":"517","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V325","name":"e7_9","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fcp activities - off-site inspection","var_qstn_qstnlit":"What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks\/other banks\/financial cooperatives\/ODTIs\/MCIs\/NEIDs? Please mark all that apply. \n- Off-site inspection of financial institutions","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"114","type":"vald"},{"value":"10","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"32","type":"freq"},{"value":"1","labl":"Yes","stats":"82","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"10","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"518","loc_end_pos":"518","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V326","name":"e7_10","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fcp activities - thematic reviews","var_qstn_qstnlit":"What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks\/other banks\/financial cooperatives\/ODTIs\/MCIs\/NEIDs? Please mark all that apply. \n- Thematic reviews","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"114","type":"vald"},{"value":"10","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"58","type":"freq"},{"value":"1","labl":"Yes","stats":"56","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"10","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"519","loc_end_pos":"519","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V327","name":"e7_11","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fcp activities - fin edu","var_qstn_qstnlit":"What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks\/other banks\/financial cooperatives\/ODTIs\/MCIs\/NEIDs? Please mark all that apply. \n- Financial education","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"114","type":"vald"},{"value":"10","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"50","type":"freq"},{"value":"1","labl":"Yes","stats":"64","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"10","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"520","loc_end_pos":"520","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V328","name":"e10_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"issue warnings","var_qstn_qstnlit":"What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: \n- Issue warnings to financial institutions","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"117","type":"vald"},{"value":"7","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"21","type":"freq"},{"value":"1","labl":"Yes","stats":"96","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"7","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"521","loc_end_pos":"521","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V329","name":"e10_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"refund fees ad charges","var_qstn_qstnlit":"What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: \n- Require providers to refund fees and charges","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"117","type":"vald"},{"value":"7","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"53","type":"freq"},{"value":"1","labl":"Yes","stats":"64","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"7","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"522","loc_end_pos":"522","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V330","name":"e10_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"withdraw misleading ads","var_qstn_qstnlit":"What actions can your agency take to enforce consumer protection laws and regulations? 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Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: \n- Revoke or recommend to revoke the offending provider's license to operate (or to operate a certain type of the business)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"117","type":"vald"},{"value":"7","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"48","type":"freq"},{"value":"1","labl":"Yes","stats":"69","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"7","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"526","loc_end_pos":"526","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V334","name":"e10_7","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"issue admin sanctions","var_qstn_qstnlit":"What actions can your agency take to enforce consumer protection laws and regulations? 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Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: \n- Require providers to refund fees and charges","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"66","type":"vald"},{"value":"58","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"44","type":"freq"},{"value":"1","labl":"Yes","stats":"22","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"58","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"529","loc_end_pos":"529","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V337","name":"e10_3_num2_a","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"enforced - withdraw misleading ads","var_qstn_qstnlit":"What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: \n- Require providers to withdraw misleading advertisements","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"85","type":"vald"},{"value":"39","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"64","type":"freq"},{"value":"1","labl":"Yes","stats":"21","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"39","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"530","loc_end_pos":"530","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V338","name":"e10_4_num2_a","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"enforced - impose fines and penalties","var_qstn_qstnlit":"What actions can your agency take to enforce consumer protection laws and regulations? 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Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: \n- Revoke or recommend to revoke the offending provider's license to operate (or to operate a certain type of the business)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"70","type":"vald"},{"value":"54","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"62","type":"freq"},{"value":"1","labl":"Yes","stats":"8","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"54","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"533","loc_end_pos":"533","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V341","name":"e10_7_num2_a","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"enforced - issue admin sanctions","var_qstn_qstnlit":"What actions can your agency take to enforce consumer protection laws and regulations? 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Please mark all that apply. \n- Other Banks","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"62","type":"vald"},{"value":"62","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"61","type":"freq"},{"value":"1","labl":"Yes","stats":"1","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"62","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"544","loc_end_pos":"544","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V352","name":"f1_1_fc","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fc prod disc reqs - advertisement stage","var_qstn_qstnlit":"Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. \n- Financial Cooperatives","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"69","type":"vald"},{"value":"55","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"20","type":"freq"},{"value":"1","labl":"Yes","stats":"49","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"55","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"545","loc_end_pos":"545","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V353","name":"f1_2_fc","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fc prod disc reqs - shopping stage","var_qstn_qstnlit":"Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? 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Please mark all that apply. \n- NEIDs","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"72","type":"vald"},{"value":"52","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"14","type":"freq"},{"value":"1","labl":"Yes","stats":"58","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"52","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"570","loc_end_pos":"570","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V378","name":"f2_1_cb","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"cb kfs reqs - shopping stage","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? 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Please mark all that apply. \n- Commercial Banks","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"113","type":"vald"},{"value":"11","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"43","type":"freq"},{"value":"1","labl":"Yes","stats":"70","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"11","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"572","loc_end_pos":"572","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V380","name":"f2_3_cb","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"cb kfs reqs - contractual stage","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- Commercial Banks","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"117","type":"vald"},{"value":"7","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"44","type":"freq"},{"value":"1","labl":"Yes","stats":"73","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"7","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"573","loc_end_pos":"573","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V381","name":"f2_4_cb","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"cb kfs reqs - upon request","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- Commercial Banks","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"118","type":"vald"},{"value":"6","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"117","type":"freq"},{"value":"1","labl":"Yes","stats":"1","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"6","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"574","loc_end_pos":"574","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V382","name":"f2_1_ob","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"ob kfs reqs - shopping stage","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- Other Banks","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"59","type":"vald"},{"value":"65","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"35","type":"freq"},{"value":"1","labl":"Yes","stats":"24","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"65","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"575","loc_end_pos":"575","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V383","name":"f2_2_ob","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"ob kfs reqs - pre-contractual","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- Other Banks","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"59","type":"vald"},{"value":"65","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"27","type":"freq"},{"value":"1","labl":"Yes","stats":"32","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"65","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"576","loc_end_pos":"576","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V384","name":"f2_3_ob","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"ob kfs reqs - contractual stage","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- Other Banks","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"61","type":"vald"},{"value":"63","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"30","type":"freq"},{"value":"1","labl":"Yes","stats":"31","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"63","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"577","loc_end_pos":"577","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V385","name":"f2_4_ob","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"ob kfs reqs - upon request","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- Other Banks","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"62","type":"vald"},{"value":"62","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"61","type":"freq"},{"value":"1","labl":"Yes","stats":"1","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"62","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"578","loc_end_pos":"578","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V386","name":"f2_1_fc","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fc kfs reqs - shopping stage","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- Financial Cooperatives","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"61","type":"vald"},{"value":"63","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"40","type":"freq"},{"value":"1","labl":"Yes","stats":"21","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"63","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"579","loc_end_pos":"579","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V387","name":"f2_2_fc","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fc kfs reqs - pre-contractual","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- Financial Cooperatives","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"61","type":"vald"},{"value":"63","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"34","type":"freq"},{"value":"1","labl":"Yes","stats":"27","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"63","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"580","loc_end_pos":"580","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V388","name":"f2_3_fc","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fc kfs reqs - contractual stage","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- Financial Cooperatives","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"64","type":"vald"},{"value":"60","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"37","type":"freq"},{"value":"1","labl":"Yes","stats":"27","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"60","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"581","loc_end_pos":"581","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V389","name":"f2_4_fc","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"fc kfs reqs - upon request","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- Financial Cooperatives","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"64","type":"vald"},{"value":"60","type":"invd"},{"value":"0","type":"min"},{"value":"0","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"64","type":"freq"},{"value":"1","labl":"Yes","stats":"0","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"60","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"582","loc_end_pos":"582","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V390","name":"f2_1_od","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"od kfs reqs - shopping stage","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- ODTIs","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"55","type":"vald"},{"value":"69","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"34","type":"freq"},{"value":"1","labl":"Yes","stats":"21","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"69","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"583","loc_end_pos":"583","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V391","name":"f2_2_od","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"od kfs reqs - pre-contractual","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- ODTIs","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"54","type":"vald"},{"value":"70","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"28","type":"freq"},{"value":"1","labl":"Yes","stats":"26","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"70","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"584","loc_end_pos":"584","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V392","name":"f2_3_od","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"od kfs reqs - contractual stage","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- ODTIs","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"57","type":"vald"},{"value":"67","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"25","type":"freq"},{"value":"1","labl":"Yes","stats":"32","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"67","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"585","loc_end_pos":"585","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V393","name":"f2_4_od","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"od kfs reqs - upon request","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- ODTIs","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"57","type":"vald"},{"value":"67","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"56","type":"freq"},{"value":"1","labl":"Yes","stats":"1","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"67","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"586","loc_end_pos":"586","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V394","name":"f2_1_mc","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"mc kfs reqs - shopping stage","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- MCIs","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"49","type":"vald"},{"value":"75","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"30","type":"freq"},{"value":"1","labl":"Yes","stats":"19","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"75","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"587","loc_end_pos":"587","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V395","name":"f2_2_mc","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"mc kfs reqs - pre-contractual","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- MCIs","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"47","type":"vald"},{"value":"77","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"21","type":"freq"},{"value":"1","labl":"Yes","stats":"26","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"77","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"588","loc_end_pos":"588","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V396","name":"f2_3_mc","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"mc kfs reqs - contractual stage","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- MCIs","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"50","type":"vald"},{"value":"74","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"21","type":"freq"},{"value":"1","labl":"Yes","stats":"29","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"74","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"589","loc_end_pos":"589","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V397","name":"f2_4_mc","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"mc kfs reqs - upon request","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- MCIs","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"51","type":"vald"},{"value":"73","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"49","type":"freq"},{"value":"1","labl":"Yes","stats":"2","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"73","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"590","loc_end_pos":"590","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V398","name":"f2_1_nd","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"nb kfs reqs - shopping stage","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- NEIDs","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"54","type":"vald"},{"value":"70","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"39","type":"freq"},{"value":"1","labl":"Yes","stats":"15","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"70","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"591","loc_end_pos":"591","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V399","name":"f2_2_nd","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"nb kfs reqs - pre-contractual","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- NEIDs","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"56","type":"vald"},{"value":"68","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"34","type":"freq"},{"value":"1","labl":"Yes","stats":"22","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"68","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"592","loc_end_pos":"592","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V400","name":"f2_3_nd","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"nb kfs reqs - contractual stage","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. \n- NEIDs","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"58","type":"vald"},{"value":"66","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"36","type":"freq"},{"value":"1","labl":"Yes","stats":"22","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"66","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"593","loc_end_pos":"593","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V401","name":"f2_4_nd","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"nb kfs reqs - upon request","var_qstn_qstnlit":"With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? 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abusive;","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"120","type":"vald"},{"value":"4","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"30","type":"freq"},{"value":"1","labl":"Yes","stats":"90","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"4","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"777","loc_end_pos":"777","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V585","name":"g3_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"using any t&c that excludes or restricts the liability of the FSP","var_qstn_qstnlit":"Are there any provisions in the existing laws and regulations that prohibit or restrict financial institutions from carrying out any of the following practices: Please mark all that apply. \n- Using in a consumer agreement, any term or condition that excludes or restricts the liability of the financial service provider;","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"117","type":"vald"},{"value":"7","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"39","type":"freq"},{"value":"1","labl":"Yes","stats":"78","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"7","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"778","loc_end_pos":"778","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V586","name":"g3_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"using any t&c that excludes or restricts the right of the consumer","var_qstn_qstnlit":"Are there any provisions in the existing laws and regulations that prohibit or restrict financial institutions from carrying out any of the following practices: Please mark all that apply. \n- Using in a consumer agreement, any term or condition that excludes or restricts the right of the 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consumers.","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"115","type":"vald"},{"value":"9","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"45","type":"freq"},{"value":"1","labl":"Yes","stats":"70","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"9","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"781","loc_end_pos":"781","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V589","name":"g4_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"limit fees and charges for a\/c closure","var_qstn_qstnlit":"Are there any of the following provisions in existing laws and\/or regulations that prohibit or restrict terms and practices which limit customer mobility between financial institutions \n- Provisions that limit fees and charges for account closure;","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"117","type":"vald"},{"value":"7","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"68","type":"freq"},{"value":"1","labl":"Yes","stats":"49","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"7","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"782","loc_end_pos":"782","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V590","name":"g4_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"prohibit extra burdening procedures for a\/c closure","var_qstn_qstnlit":"Are there any of the following provisions in existing laws and\/or regulations that prohibit or restrict terms and practices which limit customer mobility between financial institutions \n- Provisions that prohibit extra burdening procedures for account closure;","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"115","type":"vald"},{"value":"9","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"67","type":"freq"},{"value":"1","labl":"Yes","stats":"48","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"9","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"783","loc_end_pos":"783","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V591","name":"g4_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"allow consumers a cooling-off period","var_qstn_qstnlit":"Are there any of the following provisions in existing laws and\/or regulations that prohibit or restrict terms and practices which limit customer mobility between financial institutions \n- Provisions which allow consumers a cooling-off period for certain products during which they can withdraw from the product or service without incurring penalties;","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"119","type":"vald"},{"value":"5","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"52","type":"freq"},{"value":"1","labl":"Yes","stats":"67","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"5","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"784","loc_end_pos":"784","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V592","name":"g4_4","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"lmit early repayment penalties","var_qstn_qstnlit":"Are there any of the following provisions in existing laws and\/or regulations that prohibit or restrict terms and practices which limit customer mobility between financial institutions \n- Provisions that limit early repayment penalties.","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"118","type":"vald"},{"value":"6","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"53","type":"freq"},{"value":"1","labl":"Yes","stats":"65","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"6","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"785","loc_end_pos":"785","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V593","name":"g5","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"min level of prof competence\/training for relevant staff","var_qstn_qstnlit":"Are financial institutions required by law or regulation to have certain minimum level of professional competence\/training for relevant personnel dealing with consumers?","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"44","type":"freq"},{"value":"1","labl":"Yes","stats":"80","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"786","loc_end_pos":"786","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V594","name":"g51_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"min prof comp\/training - credit officers","var_qstn_qstnlit":"Please specify to which categories the law or regulation to have certain minimum level of professional competence\/training applies: Please mark all that apply. \n- Credit officers","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"70","type":"freq"},{"value":"1","labl":"Yes","stats":"54","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"787","loc_end_pos":"787","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V595","name":"g51_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"min prof comp\/training - recovery officers","var_qstn_qstnlit":"Please specify to which categories the law or regulation to have certain minimum level of professional competence\/training applies: Please mark all that apply. \n- Recovery officers","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"94","type":"freq"},{"value":"1","labl":"Yes","stats":"30","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"788","loc_end_pos":"788","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V596","name":"g51_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"min prof comp\/training - marketing staff","var_qstn_qstnlit":"Please specify to which categories the law or regulation to have certain minimum level of professional competence\/training applies: Please mark all that apply. \n- Marketing staff","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"87","type":"freq"},{"value":"1","labl":"Yes","stats":"37","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"789","loc_end_pos":"789","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V597","name":"g51_4","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"min prof comp\/training - complaints officers","var_qstn_qstnlit":"Please specify to which categories the law or regulation to have certain minimum level of professional competence\/training applies: Please mark all that apply. \n- Complaints officers","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"79","type":"freq"},{"value":"1","labl":"Yes","stats":"45","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"790","loc_end_pos":"790","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V598","name":"g51_5","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"min prof comp\/training - agents and intermediaries","var_qstn_qstnlit":"Please specify to which categories the law or regulation to have certain minimum level of professional competence\/training applies: Please mark all that apply. \n- Agents and intermediaries","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"77","type":"freq"},{"value":"1","labl":"Yes","stats":"47","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"791","loc_end_pos":"791","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V599","name":"g51_6","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"min prof comp\/training - customer service reps","var_qstn_qstnlit":"Please specify to which categories the law or regulation to have certain minimum level of professional competence\/training applies: Please mark all that apply. \n- Customer service representatives","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"81","type":"freq"},{"value":"1","labl":"Yes","stats":"43","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"792","loc_end_pos":"792","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V600","name":"g6","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"min standards for debt collection practices","var_qstn_qstnlit":"Are there any provisions in the existing laws or regulations that require minimum standards for debt collection practices:","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"123","type":"vald"},{"value":"1","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"52","type":"freq"},{"value":"1","labl":"Yes","stats":"71","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"1","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"793","loc_end_pos":"793","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V601","name":"h1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"law\/Regulation Set Standards for Complaints Resolution and Handling","var_qstn_qstnlit":"Does any law or regulation set standards for complaints resolution and handling by financial institutions?","var_qstn_postqtxt":"No (Skip to H2)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"118","type":"vald"},{"value":"6","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"26","type":"freq"},{"value":"1","labl":"Yes","stats":"92","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"6","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"794","loc_end_pos":"794","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V602","name":"h1a_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"idr - req to implement procedures and processes for resolving customer complaint","var_qstn_qstnlit":"Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. \n\n- Requirements for financial institutions to implement procedures and processes for resolving customer complaints","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"32","type":"freq"},{"value":"1","labl":"Yes","stats":"92","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"795","loc_end_pos":"795","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V603","name":"h1a_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"idr - req to have a designated, independent offer or unit in charge of complaint","var_qstn_qstnlit":"Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. \n\n- Requirement for financial institutions to have a designated, independent offer or unit in charge of handling customer complaints","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"50","type":"freq"},{"value":"1","labl":"Yes","stats":"74","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"796","loc_end_pos":"796","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V604","name":"h1a_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"idr - timeliness of response","var_qstn_qstnlit":"Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. \n\n- Timeliness of response by financial institution","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"41","type":"freq"},{"value":"1","labl":"Yes","stats":"83","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"797","loc_end_pos":"797","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V605","name":"h1a_4","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"idr - accessibility","var_qstn_qstnlit":"Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. \n\n-  Accessibility (i.e. consumer can file a complaint via multiple channels, including local branch, by phone, e-mail, etc.)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"51","type":"freq"},{"value":"1","labl":"Yes","stats":"73","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"798","loc_end_pos":"798","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V606","name":"h1a_5","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"idr - record-keeping","var_qstn_qstnlit":"Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. \n\n- Record-keeping of complaints","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"44","type":"freq"},{"value":"1","labl":"Yes","stats":"80","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"799","loc_end_pos":"799","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V607","name":"h1a_6","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"idr - reporting complaints data to a govt agency","var_qstn_qstnlit":"Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. \n\n- Reporting complaints data to a government agency","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"60","type":"freq"},{"value":"1","labl":"Yes","stats":"64","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"800","loc_end_pos":"800","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V608","name":"h1a_7","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"idr - providing consumers the details of a relevant external dispute resolution","var_qstn_qstnlit":"Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. \n\n- Providing consumers the details of a relevant external dispute resolution mechanism (if any)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"124","type":"vald"},{"value":"0","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"61","type":"freq"},{"value":"1","labl":"Yes","stats":"63","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"801","loc_end_pos":"801","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V609","name":"h2_adr","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"adr exists","var_qstn_qstnlit":"Is there any out-of-court alternative dispute resolution (ADR) entity in place that allows a customer of a financial institution to seek affordable and efficient recourse with a third party in the event that the customer's complaint is not resolved to the customer's satisfaction under internal procedures of the relevant financial institution? Please mark all that apply. \n- Yes, a scheme that provides binding decisions (e.g. ombudsman, adjudication)","var_qstn_postqtxt":"No, dispute has to be resolved in court (Skip to I1)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"123","type":"vald"},{"value":"1","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"43","type":"freq"},{"value":"1","labl":"Yes","stats":"80","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"1","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"802","loc_end_pos":"802","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V610","name":"h2_both","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"adr scheme provides both binding decisions & mediation services","var_qstn_qstnlit":"Is there any out-of-court alternative dispute resolution (ADR) entity in place that allows a customer of a financial institution to seek affordable and efficient recourse with a third party in the event that the customer's complaint is not resolved to the customer's satisfaction under internal procedures of the relevant financial institution? Please mark all that apply. \n- Yes, a scheme that provides mediation services","var_qstn_postqtxt":"No, dispute has to be resolved in court (Skip to I1)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"75","type":"vald"},{"value":"49","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"52","type":"freq"},{"value":"1","labl":"Yes","stats":"23","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"49","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"803","loc_end_pos":"803","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V611","name":"h2_adr_bindonly","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"adr scheme provides binding decisions","var_qstn_qstnlit":"Is there any out-of-court alternative dispute resolution (ADR) entity in place that allows a customer of a financial institution to seek affordable and efficient recourse with a third party in the event that the customer's complaint is not resolved to the customer's satisfaction under internal procedures of the relevant financial institution? Please mark all that apply.","var_qstn_postqtxt":"No, dispute has to be resolved in court (Skip to I1)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"75","type":"vald"},{"value":"49","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"45","type":"freq"},{"value":"1","labl":"Yes","stats":"30","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"49","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"804","loc_end_pos":"804","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V612","name":"h2_adr_medonly","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"adr scheme provides mediation services","var_qstn_qstnlit":"Is there any out-of-court alternative dispute resolution (ADR) entity in place that allows a customer of a financial institution to seek affordable and efficient recourse with a third party in the event that the customer's complaint is not resolved to the customer's satisfaction under internal procedures of the relevant financial institution? Please mark all that apply.","var_qstn_postqtxt":"No, dispute has to be resolved in court (Skip to I1)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"75","type":"vald"},{"value":"49","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"53","type":"freq"},{"value":"1","labl":"Yes","stats":"22","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"49","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"805","loc_end_pos":"805","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V613","name":"h5_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"statutory scheme","var_qstn_qstnlit":"Please indicate whether: \n- It is a statutory scheme:","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"74","type":"vald"},{"value":"50","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"28","type":"freq"},{"value":"1","labl":"Yes","stats":"46","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"50","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"806","loc_end_pos":"806","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V614","name":"h5_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"voluntary industry-based scheme","var_qstn_qstnlit":"Please indicate whether: \nIt is a voluntary, industry-based scheme (Skip to H9)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"74","type":"vald"},{"value":"50","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"59","type":"freq"},{"value":"1","labl":"Yes","stats":"15","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"50","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"807","loc_end_pos":"807","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V615","name":"h5_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"mandatory industry-based scheme","var_qstn_qstnlit":"Please indicate whether: \nIt is a mandatory, industry-based scheme (Skip to H9)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"74","type":"vald"},{"value":"50","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"61","type":"freq"},{"value":"1","labl":"Yes","stats":"13","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"50","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"808","loc_end_pos":"808","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V616","name":"h6_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"statutory scheme - focuses only on fin services","var_qstn_qstnlit":"If it is a statutory scheme, is it:","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"46","type":"vald"},{"value":"78","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"8","type":"freq"},{"value":"1","labl":"Yes","stats":"38","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"78","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"809","loc_end_pos":"809","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V617","name":"h6_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"statutory scheme - more general ADR entity","var_qstn_qstnlit":"If it is a statutory scheme, is it:","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"46","type":"vald"},{"value":"78","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"38","type":"freq"},{"value":"1","labl":"Yes","stats":"8","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"78","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"810","loc_end_pos":"810","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V618","name":"h7_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"adr entity within fin sector regulator","var_qstn_qstnlit":"Please also indicate whether such scheme: \n- Is within the financial sector regulator;","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"46","type":"vald"},{"value":"78","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"24","type":"freq"},{"value":"1","labl":"Yes","stats":"22","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"78","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"811","loc_end_pos":"811","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V619","name":"h7_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"adr entity independent from fin sector regulator","var_qstn_qstnlit":"Please also indicate whether such scheme: \n- Is independent from the financial sector regulator.","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"46","type":"vald"},{"value":"78","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"22","type":"freq"},{"value":"1","labl":"Yes","stats":"24","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"78","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"812","loc_end_pos":"812","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V620","name":"h9_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"adr entity funded by central govt. allocated budget","var_qstn_qstnlit":"Regarding the ADR entity specified in H3, how is it funded? Please mark all that apply \n- From a budget allocated by the central government","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"72","type":"vald"},{"value":"52","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"63","type":"freq"},{"value":"1","labl":"Yes","stats":"9","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"52","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"813","loc_end_pos":"813","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V621","name":"h9_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"adr entity funded by other govt. authority","var_qstn_qstnlit":"Regarding the ADR entity specified in H3, how is it funded? Please mark all that apply \n- From an annual budget allocated by a government authority (i.e. Ministry, Central Bank, Financial Regulator, Consumer Protection Agency, etc.)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"72","type":"vald"},{"value":"52","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"44","type":"freq"},{"value":"1","labl":"Yes","stats":"28","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"52","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"814","loc_end_pos":"814","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V622","name":"h9_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"adr entity funded by fin industry association","var_qstn_qstnlit":"Regarding the ADR entity specified in H3, how is it funded? Please mark all that apply \n- By a financial industry association","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"72","type":"vald"},{"value":"52","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"64","type":"freq"},{"value":"1","labl":"Yes","stats":"8","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"52","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"815","loc_end_pos":"815","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V623","name":"h9_4","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"adr entity funded by direct member contribution","var_qstn_qstnlit":"Regarding the ADR entity specified in H3, how is it funded? Please mark all that apply \n- By direct contribution of members to the ADR entity","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"72","type":"vald"},{"value":"52","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"55","type":"freq"},{"value":"1","labl":"Yes","stats":"17","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"52","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"816","loc_end_pos":"816","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V624","name":"h9_comb","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"adr entity funded by combo of govt. and other sources","var_qstn_qstnlit":"Regarding the ADR entity specified in H3, how is it funded? Please mark all that apply \n-","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"72","type":"vald"},{"value":"52","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"62","type":"freq"},{"value":"1","labl":"Yes","stats":"10","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"52","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"817","loc_end_pos":"817","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V625","name":"h10","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"first submit complaint to relevant fsp","var_qstn_qstnlit":"Does the ADR entity require that consumers first submit their complaints to the relevant financial institution?","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"77","type":"vald"},{"value":"47","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"16","type":"freq"},{"value":"1","labl":"Yes","stats":"61","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"47","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"818","loc_end_pos":"818","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V626","name":"h11_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"maintain database of registered complaints","var_qstn_qstnlit":"Does the ADR entity conduct any of the following activities? (Please mark all that apply) \n- Maintain a database of registered\/recorded complaints","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"75","type":"vald"},{"value":"49","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"5","type":"freq"},{"value":"1","labl":"Yes","stats":"70","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"49","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"819","loc_end_pos":"819","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V627","name":"h11_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"analyze complaints data","var_qstn_qstnlit":"Does the ADR entity conduct any of the following activities? (Please mark all that apply) \n- Analyze the complaints\/complaints data to identify trends","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"76","type":"vald"},{"value":"48","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"11","type":"freq"},{"value":"1","labl":"Yes","stats":"65","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"48","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"820","loc_end_pos":"820","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V628","name":"h11_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"pass complaints trends to regulator","var_qstn_qstnlit":"Does the ADR entity conduct any of the following activities? (Please mark all that apply) \n- Communicate these trends to the regulator","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"74","type":"vald"},{"value":"50","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"19","type":"freq"},{"value":"1","labl":"Yes","stats":"55","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"50","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"821","loc_end_pos":"821","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V629","name":"h11_4","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"publish complaints stats","var_qstn_qstnlit":"Does the ADR entity conduct any of the following activities? (Please mark all that apply) \n- Regularly publish complaints statistics","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"76","type":"vald"},{"value":"48","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"18","type":"freq"},{"value":"1","labl":"Yes","stats":"58","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"48","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"822","loc_end_pos":"822","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V630","name":"h11_5","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"report complaints stats to regulator","var_qstn_qstnlit":"Does the ADR entity conduct any of the following activities? 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Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent \nRank the top most frequent issues complained about \n- Unclear interest or fees (any product type)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"51","type":"vald"},{"value":"73","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"25","type":"freq"},{"value":"1","labl":"Yes","stats":"26","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"73","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"824","loc_end_pos":"824","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V632","name":"h131_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"issues complained - excessive int or fees","var_qstn_qstnlit":"What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including \"not being approved for a loan\")? 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Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent \n- Rank the top most products complained about : Deposit account","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"56","type":"vald"},{"value":"68","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"41","type":"freq"},{"value":"1","labl":"Yes","stats":"15","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"68","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"839","loc_end_pos":"839","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V647","name":"h132_7","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"product complained - current a\/c","var_qstn_qstnlit":"What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including \"not being approved for a loan\")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent \n- Rank the top most products complained about : Current account","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"56","type":"vald"},{"value":"68","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"42","type":"freq"},{"value":"1","labl":"Yes","stats":"14","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"68","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"840","loc_end_pos":"840","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V648","name":"h132_8","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"product complained - life insurance","var_qstn_qstnlit":"What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including \"not being approved for a loan\")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent \n- Rank the top most products complained about : Life insurance","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"56","type":"vald"},{"value":"68","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"47","type":"freq"},{"value":"1","labl":"Yes","stats":"9","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"68","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"841","loc_end_pos":"841","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V649","name":"h132_9","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"product complained - non-life insurance","var_qstn_qstnlit":"What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including \"not being approved for a loan\")? 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\n- Yes, a single agency.","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"121","type":"vald"},{"value":"3","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"83","type":"freq"},{"value":"1","labl":"Yes","stats":"38","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"3","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"845","loc_end_pos":"845","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V653","name":"i2_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"multiple agencies","var_qstn_qstnlit":"Is there any agency responsible for leading and\/or coordinating financial education policy and programs? \n- Yes, multiple agencies","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"121","type":"vald"},{"value":"3","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"90","type":"freq"},{"value":"1","labl":"Yes","stats":"31","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"3","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"846","loc_end_pos":"846","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V654","name":"i2_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"other","var_qstn_qstnlit":"Is there any agency responsible for leading and\/or coordinating financial education policy and programs? \n- Other --- please describe:","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"121","type":"vald"},{"value":"3","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"107","type":"freq"},{"value":"1","labl":"Yes","stats":"14","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"3","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"847","loc_end_pos":"847","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V655","name":"i2_4","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"no agency","var_qstn_qstnlit":"Is there any agency responsible for leading and\/or coordinating financial education policy and programs? \n- No","var_qstn_postqtxt":"No [Skip to I4]","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"121","type":"vald"},{"value":"3","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"83","type":"freq"},{"value":"1","labl":"Yes","stats":"38","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"3","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"848","loc_end_pos":"848","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V656","name":"i4_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"dedicated national, multi-stakeholder structure for coord fin edu","var_qstn_qstnlit":"Does a dedicated, national, multi-stakeholder structure exist to promote and coordinate the provision of financial education in your country? \n- Yes","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"121","type":"vald"},{"value":"3","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"72","type":"freq"},{"value":"1","labl":"Yes","stats":"49","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"3","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"849","loc_end_pos":"849","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V657","name":"i4_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"no dedicated structure, but addressed under broader mandate for coord fin edu","var_qstn_qstnlit":"Does a dedicated, national, multi-stakeholder structure exist to promote and coordinate the provision of financial education in your country? \n- No, but it is addressed under the mandate of a broader multi-stakeholder structure (e.g. for financial inclusion)","var_qstn_postqtxt":"(Skip to I6)","var_val_range":[{"units":"REAL","min":"0","max":"1"}],"var_sumstat":[{"value":"121","type":"vald"},{"value":"3","type":"invd"},{"value":"0","type":"min"},{"value":"1","type":"max"}],"var_catgry":[{"value":"0","labl":"No","stats":"105","type":"freq"},{"value":"1","labl":"Yes","stats":"16","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"3","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1","loc_start_pos":"850","loc_end_pos":"850","loc_width":"1","loc_rec_seg_no":"1"},{"vid":"V658","name":"i4_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","labl":"no dedicated structure for coord fin edu","var_qstn_qstnlit":"Does a dedicated, national, multi-stakeholder structure exist to promote and coordinate the provision of financial education in your country? 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