such a large quantity of bank reserves could lead to overly expansive bank lending as the economy recovers, regardless of … lending in a frictionless model of the current banking system, in which interest is paid on reserves and there are no binding … reserve requirements. We also examine the potential for balance-sheet cost frictions to distort banks' lending decisions. We …

instruments to study international spillovers of prudential policy changes and their effects on bank lending growth. The … bank lending. Second, international spillovers vary across prudential instruments and are heterogeneous across banks. Bank …-specific factors like balance sheet conditions and business models drive the amplitude and direction of spillovers to lending growth …

in the availability of credit. Using data from the nationally representative Surveys of Small Business Finances, which … availability of credit to male- and female-owned firms. More specifically, female-owned firms are significantly more likely to be … credit-constrained because they are more likely to be discouraged from applying for credit, though not more likely to be …

also provide more overdraft credit and bounce a smaller share of checks following preemption. The share of low …

We study the effects of regulatory oversight by the Consumer Financial Protection Bureau (CFPB) on credit supply as … evidence that CFPB oversight significantly reduces the overall volume of mortgage lending. However, we find some evidence of … changes in the composition of lending-CFPB-supervised banks originated fewer loans to risky borrowers, offset by an increase …

We find that competition from payday lenders leads depository institutions to raise overdraft fees and reduce the …. Payday credit is priced per dollar borrowed, so when that option is available, depositors prone to small overdrafts switch … at banks and other depository institutions increases when depositors have access to payday credit. Our findings …

prospective entrepreneur is of low credit quality and where screening would therefore be especially beneficial, less competition …This paper shows that bank competition has an intrinsically ambiguous effect on capital accumulation and economic … evidence gathered from recent empirical studies of how bank competition affects the real economy. Our results were obtained by …

We use an information-theoretic approach to describe changes in lending relationships between federal funds market … undirected networks, our analysis distinguishes between borrowers and lenders and looks for broader lending relationships … (multibank lending cycles) that extend beyond the immediate counterparties. We find that significant changes in lending patterns …