{"id":"W7132979452","doi":"","title":"The Financial Inclusion Illusion: Bricolage, Agnotology, and the Mis-Selling of Canada's Financial Consumer Protection Framework, 2014-2024","year":2025,"lang":"","type":"dissertation","venue":"TSpace","topic":"Housing, Finance, and Neoliberalism","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Social Sciences and Humanities Research Council of Canada; Canadian Imperial Bank of Commerce; Royal Bank of Canada","keywords":"Legislature; Consumer protection; Ignorance; Corporate governance; Financial regulation; Politics; Enforcement; Profit (economics); Financial intermediary; Financial services","routes":{"ca_aff":false,"ca_fund":true,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.004598879,0.0003612705,0.0002977208,0.00179031,0.03128027,0.01711465,0.001510612,0.003048409,0.004704327],"category_scores_gemma":[0.007118099,0.0002935013,0.0002442603,0.002708069,0.0610269,0.006507879,0.005031805,0.005329252,0.0001836262],"about_ca_system_candidate":true,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.09213908,"about_ca_system_score_gemma":0.0901536,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9062244,"about_ca_topic_score_gemma":0.9472336,"domain_scores_codex":[0.9949822,0.001386861,0.00006197421,0.0003747381,0.001968342,0.001226009],"domain_scores_gemma":[0.9954856,0.001751225,0.0005141798,0.0002864971,0.001268373,0.0006940372],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"qualitative","study_design_scores_codex":[0.00003055115,0.00002167488,0.005761469,0.00007039808,0.000008142643,0.0008314035,0.4735217,0.0001457895,0.0003345826,0.4932313,0.01395302,0.01209002],"study_design_scores_gemma":[0.00001017278,0.00001798483,0.01293678,0.0005616215,0.00001996359,0.0003450892,0.6156215,0.0004601507,0.0005020683,0.04363108,0.3258205,0.00007312142],"study_design_candidate":"qualitative","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.4785115,0.006091344,0.003802525,0.1076594,0.0002913334,0.00008395942,0.0002747256,0.00005175951,0.4032334],"genre_scores_gemma":[0.9874985,0.000694649,0.0004531372,0.002632681,0.00002401143,0.00001225101,0.00002442431,0.00002346503,0.008636951],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.9078609,"threshold_uncertainty_score":0.668519,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02009833435835548,"score_gpt":0.2661941653042057,"score_spread":0.2460958309458502,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}