This paper examines the impact of credit data sharing among competitive banks of different sizes in open banking … the most to improved prediction. However, competition leads to disparities in benefits, favoring smaller banks while the …

federal regulators, banks report higher fraction of nonperforming loans, more delinquent loans, higher regulatory capital … rates of government assistance funds, and more costly bank resolutions. Moreover, relative leniency of state regulators at …

We examine the effects of pandemic risk factors and the Federal government's Payment Protection Program (PPP) on the …

We document that banking deregulation leads banks to offer lower initial rates on adjustable-rate mortgages to attract … borrowers, but banks also shroud these contracts by increasing back-loaded resetting rates. More shrouding can be explained by … higher proportion of naïve borrowers following the deregulation and banks shroud more where there are more naïve borrowers …

Yes, it did. We use exogenous variation in banks' incentives to conform to the standards of the Community Reinvestment … compares lending behavior of banks undergoing CRA exams within a given census tract in a given month to the behavior of banks … by banks: in the six quarters surrounding the CRA exams lending is elevated on average by about 5 percent every quarter …

projections as an exogenous shock to banks and analyze how this shock is transmitted to consumer credit markets. First, we … document that banks in the 90th percentile of the capital gap reduce their new supply of risky credit by 13 percent compared … these banks find alternative ways to remain competitive and attract customers by lowering interest rates and offering more …