We analyze link between mortgage-related regulatory penalties levied on banks and the level of systemic risk in the U … the public, long-term systemic risk among banks tends to increase. From the dynamic perspective, bank penalties represent … long-term. In this respect, bank penalties resemble still waters that run deep. In contrast, a settlement with regulatory …

The 2010s saw a profound shift towards jumbo mortgage lending by large banks that are regulated under the Dodd …-Frank Act. Using data from the Home Mortgage Disclosure Act, we show that the “jumbo shift” is correlated with being subject to … through which regulation could have affected bank incentives …

researchers to depend on data from insurance company portfolios or the commercial mortgage backed securities (CMBS) market …, neither of which are good proxies for bank CRE loans. We use a unique loan-level dataset from banks taken immediately to their …

We assess the competitiveness of the $400 billion dollar U.S. bank consumer loan market by comparing results from …

- the results obtained in the study are valuable for bank managers and investors. Administrative decisions and investment …

line with the Central Bank of Kenya Prudential Risk Guidelines or banks in other jurisdictions compliant with the Basel …

Using 2013 and 2016 data, we compare the performance of unsecured consumer loans made by U.S. bank holding companies to … ratio, adjusted for statistical noise, and the minimum ratio gauges lending inefficiency. In 2013 and 2016, the largest bank … similar to the high average efficiency of the largest bank lenders - a conclusion that may not be applicable to other fintech …

strategically as their home value falls below the mortgage value (exercise the put option to default on their first mortgage). While … current but stand behind a seriously delinquent first mortgage, are subject to a high risk of default. On the other hand … that the various mortgage loss mitigation programs also play a role in providing incentives for homeowners to default on …