well as bank risk-taking, growth, and operating costs. We use a difference-in-differences approach, making use of the fact … evidence that CFPB oversight significantly reduces the overall volume of mortgage lending. However, we find some evidence of … in large "jumbo" mortgages. We find no clear evidence of substitution in lending between bank and nonbank subsidiaries …

This paper examines how interstate banking deregulation affects mortgage lending to minorities. I find that the … mortgage approval rates for African Americans, compared with other borrowers, decrease after interstate banking deregulation. I … also find that the effect is only present in out-of-state banks, but not in in-state banks or non-bank lenders, suggesting …

An important question in banking is how strict supervision affects bank lending and in turn local business activity … the thrift regulator (OTS) to analyze economic links between strict supervision, bank lending and business activity. We … mortgage to small business lending after the crisis. These findings suggest that stricter supervision operates not only through …

An important question in banking is how strict supervision affects bank lending and in turn local business activity … supervision, bank lending and business activity. We first show that the OTS replacement indeed resulted in stricter supervision of … overcome frictions in bank management, leading to more lending and a reallocation of loans. Consistent with the latter, we find …

Bank deregulation in the form of the repeal of the Glass-Steagall Act facilitated the entry of non-bank lenders into … conventional view that regulatory arbitrage caused the rise of non-bank lenders. …

. The European Central Bank, in its capacity as supervisory authority for systemically important banks, as well as the …