We study the effects of regulatory oversight by the Consumer Financial Protection Bureau (CFPB) on credit supply as … 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 …

Bank deregulation in the form of the repeal of the Glass-Steagall Act facilitated the entry of non-bank lenders into … the market for syndicated loans during the pre-2008 credit boom. Institutional investors disproportionately purchase … conventional view that regulatory arbitrage caused the rise of non-bank lenders. …

Systemically Important Banks (G-SIBs) on bank lending behaviour. Using a difference-in-differences estimation strategy, we find no … effect of the reforms on overall credit supply, while at the same time documenting a substantial decline in borrower- and …