This paper presents empirical evidence on the impact of changes in capital requirements on bank lending, and delivers …

the economic cost of increasing bank capital requirements, based on the author's earlier estimate (Cline 2015) of the … identify the socially optimal level of bank capital. This optimum is estimated at about 7 percent of total assets, with a more …

This paper reviews the cost-benefit analysis, or “regulatory impact analysis” (RIA), in US bank regulators’ risk …-based capital (RBC) rule proposals. We review the principles of cost-benefit analysis and its application by US bank regulators. We … RBC rules and related rules on bank liquidity. We find that nine of the 27 rules include RIAs. Five of the RIAs claim the …

crisis reforms, such as liquidity regulations and bank resolution regimes, in reducing the probability and costs of future …