staggered relaxation of branching restrictions in the 1990s across states, we find that banking deregulation decreases local …-white mortality gap. We further analyze the role of mortgage markets as a transmitter between banking deregulation and mortality and …

We assess the impact of bank deregulation on the distribution of income in the United States. From the 1970s through … performance. Exploiting the cross-state, cross-time variation in the timing of branch deregulation, we find that deregulation … little impact on incomes above the median. Bank deregulation tightened the distribution of income by increasing the relative …

States intensified, ameliorated, or had no effect on income distribution. We find that branch deregulation lowered income … inequality. Deregulation lowered income inequality by affecting labor market conditions, not by boosting the business income of …