We provide new evidence that credit supply shifts contributed to the U.S. subprime mortgage boom and bust. We collect …

We find that that the Current Expected Credit Loss (CECL) standard would slightly dampen fluctuations in bank lending … predictability of credit losses …

for acceptable credit scores. Using loan-level data, we document the introduction of these thresholds, as well as their … consumer credit data, we show that the credit score thresholds have very large negative effects on borrowing in the short run … that lenders' use of minimum credit scores reduced the total number of newly originated mortgages by about 2 percent in the …

This paper presents empirical evidence on the effect of banks' financial position on credit growth using a sample of 29 … most important predictor of credit growth in the current year. The relationship between capital and credit growth is non … (decrease) in capital is associated with an increase (decrease) of 0.8 (0.3) percentage points in credit growth upon impact and …

We explore the structural drivers of bank and nonbank credit cycles using an estimated medium-scale macro model that … potentially drive bank and nonbank credit growth. We find that sectoral shocks affecting the balance sheets of entrepreneurs who … borrow from the financial sector are important for the business cycle frequency fluctuations in bank and nonbank credit …

countries experiencing systemic banking crises on profitability, credit, and the performance of borrower firms. Crisis exposures … reduce bank returns and tighten credit conditions for borrowers, constraining investment and growth. The effects are larger …