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Supervising Large, Complex Financial Institutions : What Do Supervisors Do?

Eisenbach, Thomas M. - 2015

The Federal Reserve is responsible for the prudential supervision of bank holding companies (BHCs) on a consolidated … basis. Prudential supervision involves monitoring and oversight to assess whether these firms are engaged in unsafe or … supervision is interlinked with, but distinct from, regulation, which involves the development and promulgation of the rules under …

Persistent link: https://www.econbiz.de/10013021984

Banks' Incentives and the Quality of Internal Risk Models

Plosser, Matthew C. - 2014

This paper investigates the incentives for banks to bias their internally generated risk estimates. We are able to estimate bank biases at the credit level by comparing bank-generated risk estimates within loan syndicates. The biases are positively correlated with measures of regulatory capital,...

Persistent link: https://www.econbiz.de/10013039623

Does CFPB Oversight Crimp Credit?

Fuster, Andreas - 2018

that banks below a $10 billion size cutoff are exempt from CFPB supervision and enforcement activities. We find little …

Persistent link: https://www.econbiz.de/10012916394

The Cost of Bank Regulatory Capital

Plosser, Matthew C. - 2018

The Basel I Accord introduced a discontinuity in required capital for undrawn credit commitments. While banks had to set aside capital when they extended commitments with maturities in excess of one year, short-term commitments were not subject to a capital requirement. The Basel II Accord...

Persistent link: https://www.econbiz.de/10012916405

The Role of Technology in Mortgage Lending

Fuster, Andreas - 2018

Technology-based (“FinTech”) lenders increased their market share of U.S. mortgage lending from 2 percent to 8 percent from 2010 to 2016. Using market-wide, loan-level data on U.S. mortgage applications and originations, we show that FinTech lenders process mortgage applications about 20...

Persistent link: https://www.econbiz.de/10012927007

Bank Heterogeneity and Capital Allocation : Evidence from 'Fracking' Shocks

Plosser, Matthew C. - 2014

This paper empirically investigates banks' investment allocations over the recent business cycle. I identify unsolicited deposit shocks resulting from unconventional energy development and estimate bank allocations of these deposits. In the pre-recession period, banks lend 38 percent of...

Persistent link: https://www.econbiz.de/10013045891