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Correa, Ricardo; Goldberg, Linda S. - 2020

Bank holding companies (BHCs) can be complex organizations, conducting multiple lines of business through many distinct legal entities and across a range of geographies. While such complexity raises the costs of bank resolution when organizations fail, the effect of complexity on BHCs' broader...

Persistent link: https://www.econbiz.de/10012234342

The cost of bank regulatory capital

Plosser, Matthew C.; Santos, João A. 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/10011868462

Regulatory changes and the cost of capital for banks

Kovner, Anna; Van Tassel, Peter - 2018

We estimate the cost of capital for the banking industry and find that while the cost of capital soared for banks in …

Persistent link: https://www.econbiz.de/10011868475

Banking supervision: the perspective from economics

Hirtle, Beverly J. - 2020

Economists have extensively analyzed the regulation of banks and the banking industry, but have devoted considerably … less attention to bank supervision as a distinct activity. Indeed, much of the banking literature has used the terms … "supervision" and "regulation" interchangeably. This paper provides a heuristic review of the economics literature on …

Persistent link: https://www.econbiz.de/10012391496

International banking and nonbank financial intermediation : global liquidity, regulation, and implications

Buch, Claudia M.; Goldberg, Linda S. - 2024

. Microprudential regulation of banks plays a role, influencing leverage and capitalization, changing sensitivities to shocks, and also …

Persistent link: https://www.econbiz.de/10014501217

Does CFPB oversight crimp credit?

Fuster, Andreas; Plosser, Matthew; Vickery, James - 2018

We study the effects of regulatory oversight by the Consumer Financial Protection Bureau (CFPB) on credit supply as well as bank risk-taking, growth, and operating costs. We use a difference-in-differences approach, making use of the fact that banks below a $10 billion size cutoff are exempt...

Persistent link: https://www.econbiz.de/10011868541

Market liquidity after the financial crisis

Adrian, Tobias; Fleming, Michael J.; Shachar, Or; Vogt, Erik - 2017 - Revised June 2017

This paper examines market liquidity in the post-crisis era in light of concerns that regulatory changes might have reduced dealers' ability and willingness to make markets. We begin with a discussion of the broader trading environment, including an overview of regulations and their potential...

Persistent link: https://www.econbiz.de/10011547707

Credit risk transfer and de facto GSE reform

Finkelstein, David L.; Strzodka, Andreas; Vickery, James - 2018

We summarize and evaluate Fannie Mae and Freddie Mac's credit risk transfer (CRT) programs, which have been used since 2013 to shift a portion of credit risk on more than $1.8 trillion of mortgages to private sector investors. We argue that the CRT programs have been successful in reducing the...

Persistent link: https://www.econbiz.de/10011806244

Leverage limits and bank risk : new evidence on an old question

Choi, Dong Beom; Holcomb, Michael R.; Morgan, Donald P. - 2018

The supplementary leverage ratio (SLR) rule recently imposed on the very largest U.S. banks has revived the question of whether banks sidestep such rules by shifting toward riskier, higher-yielding assets. Using difference-in-difference analysis, we find that, after the SLR was finalized in...

Persistent link: https://www.econbiz.de/10011868525

Discussion of "an integrated framework for multiple financial regulations"

Adrian, Tobias - 2012

A 2012 paper by Goodhart, Kashyap, Tsomocos, and Vardoulakis (GKTV) proposes a dynamic general equilibrium framework that provides a conceptual - and to some extent quantitative - framework for the analysis of macroprudential policies. The distinguishing feature of GKTV's paper relative to any...

Persistent link: https://www.econbiz.de/10009669924

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