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Foreign investment, regulatory arbitrage, and the risk of U.S. banking organizations
Frame, W. Scott; Mihov, Atanas; Sanz, Leandro - 2016
international subsidiary locations and risk of U.S. bank holding companies (BHCs). We find that U.S. BHCs are more likely to operate …
Persistent link: https://www.econbiz.de/10011623274
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The failure of supervisory stress testing : Fannie Mae, Freddie Mac, and OFHEO
Frame, W. Scott; Gerardi, Kristopher; Willen, Paul - 2015 - This version: March 2015
In the aftermath of the global financial crisis, policymakers in the United States and elsewhere have adopted stress testing as a central tool for supervising large, complex, financial institutions and promoting financial stability. Although supervisory stress testing may confer substantial...
Persistent link: https://www.econbiz.de/10010510096
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The failure of supervisory stress testing : Fannie Mae, Freddie Mac, and OFHEO
Frame, W. Scott; Gerardi, Kristopher; Willen, Paul - 2015
Stress testing has recently become a critical risk management and capital planning tool for large financial institutions and their supervisors around the world. However, the one prior U.S. experience tying stress test results to capital requirements was a spectacular failure: the Office of...
Persistent link: https://www.econbiz.de/10010499577
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Minority Loan Officers and Minorities’ Access to Mortgage Credit
Frame, W. Scott; Huang, Ruidi; Mayer, Erik J.; Sunderam, Adi - 2022
We study the relationship between the labor market for loan officers and access to credit in the residential mortgage market. Using novel data matching the (near) universe of mortgage applications to loan officers, we find that minorities are significantly underrepresented among mortgage loan...
Persistent link: https://www.econbiz.de/10013297237
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Reexamining the Empirical Relation between Loan Risk and Collateral : The Roles of Collateral Characteristics and Types
Berger, Allen N. - 2017
strong for residential real estate collateral and that the risk shifting effect is important for pledged deposits and bank …
Persistent link: https://www.econbiz.de/10012972883
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Reexamining the Empirical Relation between Loan Risk and Collateral : The Role of the Economic Characteristics of Collateral
Berger, Allen N. - 2012
This paper offers a possible explanation for the conflicting results in the literature concerning the empirical relation between collateral and loan risk. We posit that certain economic characteristics of collateral may be associated with the empirical dominance of different risk-collateral...
Persistent link: https://www.econbiz.de/10013100344
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Foreign Investment, Regulatory Arbitrage, and the Risk of U.S. Banking Organizations
Frame, W. Scott - 2017
international subsidiary locations and risk of U.S. bank holding companies (BHCs). We find that U.S. BHCs are more likely to operate …
Persistent link: https://www.econbiz.de/10012960293
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Foreign Investment, Regulatory Arbitrage, and the Risk of U.S. Banking Organizations
Frame, W. Scott - 2018
international subsidiary locations and risk of U.S. bank holding companies (BHCs). We find that U.S. BHCs are more likely to operate …
Persistent link: https://www.econbiz.de/10012936662
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The Federal Home Loan Bank System : the lender of next-to-last resort?
Ashcraft, Adam B. (contributor); Bech, Morten L. (contributor) - 2008
The Federal Home Loan Bank (FHLB) System is a large, complex, and understudied government-sponsored liquidity facility … provide evidence on the uses of these funds by the System’s bank and thrift members. Next, we identify the trade-offs faced by … about the respective roles of the various liquidity facilities would be helpful. -- Federal Home Loan Bank ; government …
Persistent link: https://www.econbiz.de/10003812547
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The Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk
Berger, Allen N. - 2014
The literature has documented a positive relationship between the use of credit scoring for small business loans and small business credit availability, broadly defined. However, this literature is hampered by the fact that all of the studies are based on a single 1998 survey of the very largest...
Persistent link: https://www.econbiz.de/10013070995