Commercial Bank Competition, Riegle-Neal, and Dodd-Frank

An existing literature examines the degree to which modern commercial banking constitutes a competitive industry and the effects of various policies on the degree of competition in that market. This paper applies time series analysis to examine competitiveness over the period since the passage of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994, with particular attention to whether there are any observable changes in the state of competition since the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010