higher adjustment costs, due to the weaker governance and stricter regulation, the adjustment is significantly slower. Banks … ratios contributes to our understanding of which settings influence (i) the pro-cyclicality of capital regulation and (ii …

of a financial crisis: 1) Regulation creates two categories of financial institutions. The first class faces greater … subsidized funds to make riskier investments (including investments in the second class) without regulation compensating for …

appropriate contours of regulatory perimeters as well as the structure of regulation and supervision in the many area of financial … regulation. Fintech innovations also have the potential to be harnessed to serve public purposes, including expanding access to …

Over the past decade, cost-benefit analysis in the field of financial regulation (“financial CBA”) has emerged as a … benefit analysis in the area of consumer financial regulation. This taxonomy reflects traditional market failures, cognitive … be considered state-of-the-art benefit analysis in consumer protection regulation in the years immediately following the …