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Regulatory change not seen since the Great Depression swept the U.S. banking industry beginning in the early 1980s and culminated with the Interstate Banking and Branching Efficiency Act of 1994. This article examines whether deregulation affected new charter (birth), failure (death), and merger...
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This paper examines the causal effect of bank credit expansion on fertility by exploiting exogenous increases in bank … staggered difference-in-difference methods to estimate the causal effect of credit expansion on fertility rates and maternal age …. I find that credit expansion reduces fertility rates by 7 percent and increases maternal age by 0.37 percent. I also …
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