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Mortgage supply and the US housing boom : the role of the community reinvestment act

Saadi, Vahid - 2016

This paper studies the role of the Community Reinvestment Act (CRA) in the recent US housing boom-bust cycle. Using a difference-in-differences matching estimation, I find that the enhancement of CRA enforcement in 1998 caused a 7.7 percentage points increase in annual growth rate of mortgage...

Persistent link: https://www.econbiz.de/10011570577

Mortgage supply and the US Housing boom : the role of the Community Reinvestment Act

Saadi, Vahid - 2018

This paper studies the role of the Community Reinvestment Act (CRA) in the US housing boom-bust cycle. I find that the enhancement in CRA enforcement in 1998 increased the growth rate of mortgage lending by CRA-regulated banks to CRA-eligible census tracts. I show that during the boom period...

Persistent link: https://www.econbiz.de/10012065070

Mortgage supply and the US Housing boom : the role of the Community Reinvestment Act

Saadi, Vahid - 2019 - This version: October 2019

Persistent link: https://www.econbiz.de/10012122488

Does the Community Reinvestment Act Increase Small Business Lending in Lower Income Neighborhoods?

Kim, Mee Jung; Lee, Kyung Min; Earle, John S. - 2022

We estimate the impact of the Community Reinvestment Act (CRA) on small business lending in lower-income neighborhoods. Using 2004-2016 panel data on census tracts, we apply a combined regression discontinuity and fixed effect method. We find that the number of small business loans increases by...

Persistent link: https://www.econbiz.de/10013406859

Non-Financial Disclosure and Market-Based Firm Performance : The Initiation of Financial Inclusion

Bose, Sudipta - 2017

We examine the association between financial inclusion disclosure and firm performance in Bangladeshi banks from 2009 to 2014 in response to a regulatory directive on the engagement of banking firms in financial inclusion activities. We find a positive association between financial inclusion...

Persistent link: https://www.econbiz.de/10012950026

Transmission Effects of ESG Disclosure Regulations through Bank Lending Networks

Wang, Lynn Linghuan - 2022

This paper studies whether and how ESG disclosure regulations imposed on banks generate transmission effects along the lending channel. I use a setting of U.S. firms borrowing from non-U.S. banks and exploit the staggered adoption of ESG disclosure regulations in banks’ home countries. I find...

Persistent link: https://www.econbiz.de/10013406620

Performance socio-ambientale e Social Disclosure nelle BCC italiane (Social and Environmental Performance and Social Disclosure in Italian Local Banks)

Piatti, Domenico - 2013

La Social Disclosure (SD) espressa in genere attraverso il bilancio sociale può a volte tradursi solo in una serie di adempimenti. In questa prospettiva, la ricerca intende verificare, con riferimento a 57 Banche di Credito Cooperativo (BCC) italiane, se l'intensità di SD sia effettivamente...

Persistent link: https://www.econbiz.de/10013071881

Adding Stress in Banking : Transparency Disclosures and Corporate Risk Culture

García, Raffi E.; Harithsa, Jyothsna; Owusu, Abena - 2021

-experimental properties around the bank-size policy thresholds. We find that stress-test banks substantially improve their risk and corporate …

Persistent link: https://www.econbiz.de/10013238350

Regulating Risk Culture in Banks

Alexander, Kern - 2019

since the financial crisis of 2007-08 to address weaknesses in bank risk culture. The paper suggests that shortcomings in …

Persistent link: https://www.econbiz.de/10012894261

Determinants of Bank Income Smoothing Using Loan Loss Provisions in the United Kingdom

Ozili, Peterson K - 2022

This paper examines the determinants of bank income smoothing using loan loss provisions in the United Kingdom or Great … smoothing is greater in times of high economic policy uncertainty. The extent of bank income smoothing is reduced by foreign … bank presence, UK GAAP adoption, IFRS9 adoption, and high levels of voice and accountability. Also, there is reduced income …

Persistent link: https://www.econbiz.de/10013298492