We analyze the effect of a U.S. subprime mortgage regulation on the availability of mortgagecredit. Due to all subprime mortgage originators being affected by the regulation studied,there is no natural control group. We use a pro t maximization assumption to construct acontrol group. We nd no...

"Community banks - generally small and locally focused institutions - are important sources of credit to small businesses. Since the 2007-2009 financial crisis, regulators have made significant changes to the regulatory environment. Chapter 1 examines the data regulators use to measure small...

Cover -- Title Page -- Copyright -- Contents -- Preface -- Introduction -- Additional Thanks -- Chapter 1: An Overview of the Bankruption -- Community Banking Has No Future -- Community Banking Relies Too Heavily on Physical Proximity -- Today, Data Proximity Yields Intimacy -- Data Proximity...