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Home / Grid / There are rules, regulations and dodges


THERE ARE RULES, REGULATIONS AND DODGES

There are rules and regulations, and then there is leeway and dodges. It’s all
down to how the rules are viewed and how they are regulated that counts. This is
the big debate in the UK right now. Party animal Boris’s government has received
many penalties for breaking the Covid restrictions they themselves created,
whilst his opposition leader Kier Starmer has said he will resign if gets a
penalty, as he follows the rules. In fact, his nickname is Mr. Rules, but then
he is a lawyer and lawyers follow the law (?).

In banking, that last statement is not quite true. For example, I always
remember a quote from Michael Lewis’s book Liar’s Poker, when meeting with the
bank’s general counsel – their lawyer – who said: “my role is to find the chinks
in the regulator’s armour”. In other words, a bank lawyer’s job is to work out
how to buck the rules.

There are regulations and rules … and then there are views and interpretations
of the rules and regulations. Equally, for many years, there has been a major
leverage in finance of regulatory arbitrage. What’s that? It’s using regulations
in different countries to ensure that you can perform activities that may be
illegal in one but not in another.

This is made clear by how large corporations deal with tax. I remember when the
Libor issue hit the headlines and Barclays Bank CEO Bob Diamond was forced to
resign, that Barclays internal financial management came under scrutiny. It is
claimed that the bank avoids almost £2 billion of tax by a lucrative deal with
Luxembourg, but they are not alone. Several banks use offshore entities to
record around 14% of annual profits in order to minimise tax. That’s around £17
billion of tax avoided.

They are not alone.

We know that the Big Tech companies do the same, which is why national
governments are on their case:

 * Amazon had sales income of €44bn in Europe in 2020 but paid no corporation
   tax
 * Facebook paid just £28.5m in UK tax after raking in more than £1bn in sales
 * Google used ‘double-Irish’ to shift $75.4bn in profits out of Ireland

These are one form of chinks in the regulator’s armour: paying zero tax.

Another form of chink is the ability to use financial products that are illegal
in one country but legal in another. You can move money between countries to
support high net work clients to not only avoid tax, but to launder illegal
financial operations.

The Anti-Money Laundering rules are meant to be exceptional but are, in reality
weak. When you hear figures of over $2 trillion being laundered a year, that is
obvious. What’s going wrong? Well, it’s mainly complex networked criminal
operations that recognise, in the same way as tax dodging, that there are rules
and regulations, and ways to work around them.

 * The estimated amount of money laundered globally in one year is 2 – 5% of
   global GDP, or $800 billion – $2 trillion in current US dollars;
 * 90 percent of the money laundered goes undetected. (Source: Forbes);
 * 62% of compliance officers say criminal activity is getting harder to spot
   (Basel System Reports 2021)
 * Anti-money laundering activities recover only 0.1% of criminal funds.

Source: Renolon

In fact, such illicit activity is sometimes compared to tracking terrorists in
airports. You clamp down on the many to catch the few. The result is that all of
us have to jump through hoops to check in for flights or open accounts, and can
often find nanny state behaviours causing us problems. There are rules, darned
rules and regulations.

And then the fact is that the more clever the lawyer and the more wealth the
company or individual can deploy, the more likely they are able to avoid tax and
launder money.

It’s all about the money, money, money.







For more on these topics check-out tax avoidance and money
laundering discussions on this blog.

Posted on: May 20, 2022
2022-05-20
Chris M Skinner
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ABOUT CHRIS M SKINNER


Chris Skinner is best known as an independent commentator on the financial
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