This could be partially caused by economic recession. The largest gap: Hispanic or Latino population: 4.5% difference. The smallest gap: White population: 2.7% difference. Lower skilled jobs would be the first to go. A large population of less qualified immigrants are from Hispanic countries. And the population of higher skilled immigrants are mostly from European and Asian countries.

Legislation like the UK E-commerce Laws can help regulate e-commerce and international disputes.

M2 is money in the form of traverlers checks, regular checks, e-money, and similar forms of secondary money.  It is peculiar to see that the total number of deposits made is more than the amount of currency available.  E-money is harder for banks to track, especially when they are in the hands of third party business such as Paypal.  If the central banks underestimate how much money is flowing through the economy, the government will think to print more money, which would cause inflation.