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We study the effect of racial minority bank ownership on minority credit access. Using new data for 87 million minority … of their mortgages go to borrowers of bank owners' same race. Second, the effect of minority bank ownership on minority … minority bank ownership reducing information frictions and improving credit allocations. …
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Since increasing a bank's capital requirement to improve the stability of the financial system imposes costs upon the … bank, a regulator should ideally be able to prove beyond a reasonable doubt that banks classified as systemically risky …
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