The Impact Of The Dodd Frank Act On Small Banks

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The Impact of the Dodd-Frank Act on Small Business

Author : Michael D. Bordo
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (16 download)

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Book Synopsis The Impact of the Dodd-Frank Act on Small Business by : Michael D. Bordo

Download or read book The Impact of the Dodd-Frank Act on Small Business written by Michael D. Bordo and published by . This book was released on 2018 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: There are concerns that the Dodd-Frank Act (DFA) has impeded small business lending. By increasing the fixed regulatory compliance requirements needed to make business loans and operate a bank, the DFA disproportionately reduced the incentives for all banks to make very modest loans and reduced the viability of small banks, whose small-business share of C&I loans is generally much higher than that of larger banks. Despite an economic recovery, the small loan share of C&I loans at large banks and banks with $300 or more million in assets has fallen by 9 percentage points since the DFA was passed in 2010, with the magnitude of the decline twice as large at small banks. Controlling for cyclical effects and bank size, we find that these declines in the small loan share of C&I loans are almost all statistically attributed to the change in regulatory regime. Examining Federal Reserve survey data, we find evidence that the DFA prompted a relative tightening of bank credit standards on C&I loans to small versus large firms, consistent with the DFA inducing a decline in small business lending through loan supply effects. We also empirically model the pace of business formation, finding that it had downshifted around the time when the DFA and the Sarbanes-Oxley Act were announced. Timing patterns suggest that business formation has more recently ticked higher, coinciding with efforts to provide regulatory relief to smaller banks via modifying rules implementing the DFA. The upturn contrasts with the impact of the Sarbanes-Oxley Act, which appears to persistently restrain business formation.

The Impact of the Dodd-Frank Act on Small Banks

Author : Tahsen Alqatawni
Publisher :
ISBN 13 :
Total Pages : 11 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis The Impact of the Dodd-Frank Act on Small Banks by : Tahsen Alqatawni

Download or read book The Impact of the Dodd-Frank Act on Small Banks written by Tahsen Alqatawni and published by . This book was released on 2013 with total page 11 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Act is single longest bill ever passed by the U.S.... The Dodd-Frank Act passed in reply to the latest financial meltdown, which applies to prevent further fraud and abuse in the markets, also geared toward protecting consumers with regulations like keeping borrowers from abusive lending conditions and mortgage practices by lenders. Dodd-Frank regulatory requirements set too many restrictions on local lenders and appraisers and that the Act created for large banks "too-big-to-fail”. However, the small banks, which do not fit neatly into standardized financial modeling, will face unintended consequences, as increased operations costs, which lead to reduced income and limited potential growth. The Act created enormous difficulties on small banks, which has little to do with the financial crisis.

The Dodd-Frank Act

Author : United States. Congress. House. Committee on Small Business. Subcommittee on Economic Growth, Capital Access, and Tax
Publisher :
ISBN 13 :
Total Pages : 72 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis The Dodd-Frank Act by : United States. Congress. House. Committee on Small Business. Subcommittee on Economic Growth, Capital Access, and Tax

Download or read book The Dodd-Frank Act written by United States. Congress. House. Committee on Small Business. Subcommittee on Economic Growth, Capital Access, and Tax and published by . This book was released on 2011 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Effect of Dodd-Frank on Small Financial Institutions and Small Businesses

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher :
ISBN 13 :
Total Pages : 232 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis The Effect of Dodd-Frank on Small Financial Institutions and Small Businesses by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit

Download or read book The Effect of Dodd-Frank on Small Financial Institutions and Small Businesses written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2011 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Impact of the Dood-Frank Act on Small Business

Author : Michael D. Bordo
Publisher :
ISBN 13 :
Total Pages : 38 pages
Book Rating : 4.:/5 (129 download)

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Book Synopsis The Impact of the Dood-Frank Act on Small Business by : Michael D. Bordo

Download or read book The Impact of the Dood-Frank Act on Small Business written by Michael D. Bordo and published by . This book was released on 2018 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: There are concerns that the Dodd-Frank Act (DFA) has impeded small business lending. By increasing the fixed regulatory compliance requirements needed to make business loans and operate a bank, the DFA disproportionately reduced the incentives for all banks to make very modest loans and reduced the viability of small banks, whose small-business share of C&I loans is generally much higher than that of larger banks. Despite an economic recovery, the small loan share of C&I loans at large banks and banks with $300 or more million in assets has fallen by 9 percentage points since the DFA was passed in 2010, with the magnitude of the decline twice as large at small banks. Controlling for cyclical effects and bank size, we find that these declines in the small loan share of C&I loans are almost all statistically attributed to the change in regulatory regime. Examining Federal Reserve survey data, we find evidence that the DFA prompted a relative tightening of bank credit standards on C&I loans to small versus large firms, consistent with the DFA inducing a decline in small business lending through loan supply effects. We also empirically model the pace of business formation, finding that it had downshifted around the time when the DFA and the Sarbanes-Oxley Act were announced. Timing patterns suggest that business formation has more recently ticked higher, coinciding with efforts to provide regulatory relief to smaller banks via modifying rules implementing the DFA. The upturn contrasts with the impact of the Sarbanes-Oxley Act, which appears to persistently restrain business formation.

The Impact of the Dodd-Frank Act on the Performance of US-Listed Commercial and Savings Banks

Author : Zhuo Jian Tang
Publisher : GRIN Verlag
ISBN 13 : 3668267464
Total Pages : 68 pages
Book Rating : 4.6/5 (682 download)

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Book Synopsis The Impact of the Dodd-Frank Act on the Performance of US-Listed Commercial and Savings Banks by : Zhuo Jian Tang

Download or read book The Impact of the Dodd-Frank Act on the Performance of US-Listed Commercial and Savings Banks written by Zhuo Jian Tang and published by GRIN Verlag. This book was released on 2016-08-03 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2015 in the subject Business economics - Investment and Finance, Peking University, language: English, abstract: The impact of financial regulation has critical importance on firm performance and profitability. The aftermath of the Financial Crisis of 2008 saw the biggest regulatory reform in the U.S. financial system since the Great Depression. One of the main causes of the crisis was the excessive risk-taking by large firms because prior financial regulations had loopholes that firms could take advantage of. This reform’s intended purpose is to address and fix those failures in past regulatory oversight. With 398 proposed rules and more than 2,000 pages, the Dodd-Frank Wall Street Financial Reform and Consumer Protection Act signed into law in 2010, tackles many issues and implements many changes to the financial system. For one, it established new government oversight agencies, such as the Consumer Financial Protection Bureau (CFPB) and the Financial Stability Oversight Council (FSOC); it also outlined new capital requirement standards for banks, aimed to strengthen investor protection, increase the transparency of OTC derivatives, and improve the regulation of credit rating agencies. Our paper provides empirical evidence on whether the Dodd-Frank Act has any significant impact on the performance of U.S.-listed commercial and savings institutions while controlling for bank size. With a sample size of 640 publicly listed commercial and savings banks in the U.S. over each quarter between 2005-2014, we investigate the impact of the Dodd-Frank Act, bank-specific characteristics, and macroeconomic indicators on banks’ net interest margin, return on assets, and return on equity using a ‘difference-in-differences’ approach. Our results indicate that the Dodd-Frank Act has a significant negative impact on bank performance, indicated by the net interest margin. Return on assets and return on equity show no significant difference between small banks and big banks. More importantly the interaction term, between the Big Bank dummy and the Dodd-Frank dummy, negatively correlates with bank performance for net interest margin, return on assets, and return on equity. Furthermore, we find that bank-specific characteristics explain a substantial portion of bank performance. The contribution of our work is that, to the best of our knowledge, our paper is the first to provide empirical evidence on the impact of the Dodd-Frank on US-listed commercial and savings banks performance using the most recent data for our analysis.

Community Banks and Credit Unions

Author : U.s. Government Accountability Office
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781974183784
Total Pages : 88 pages
Book Rating : 4.1/5 (837 download)

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Book Synopsis Community Banks and Credit Unions by : U.s. Government Accountability Office

Download or read book Community Banks and Credit Unions written by U.s. Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-08-04 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt: " The Dodd-Frank Act includes numerous reforms to strengthen oversight of financial services firms and consolidate certain consumer protection responsibilities within CFPB. To help minimize its regulatory burden on small institutions, including community banks and credit unions, the act exempts such institutions from several of its provisions. However, the act also contains provisions that impose additional requirements on small institutions. Although no commonly accepted definition of a community bank exists, the term often is associated with smaller banks. Historically, community banks and credit unions have played an important role in providing credit to small businesses and other local customers. This report examines (1) the significant changes community banks and credit unions have undergone in the past decade and the factors that have contributed to such changes, and (2) Dodd-Frank Act provisions that regulators, industry associations, and others expect to impact community banks and credit unions, including their small business lending. GAO analyzed regulatory and other data on community banks and credit unions; reviewed academic and other relevant studies; and interviewed federal regulators, community banks, credit unions, state regulatory and industry associations, academics, and others. "

Assessing the Impact of the Dodd-Frank Act Four Years Later

Author : United States. Congress. House. Committee on Financial Services
Publisher :
ISBN 13 :
Total Pages : 170 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Assessing the Impact of the Dodd-Frank Act Four Years Later by : United States. Congress. House. Committee on Financial Services

Download or read book Assessing the Impact of the Dodd-Frank Act Four Years Later written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2015 with total page 170 pages. Available in PDF, EPUB and Kindle. Book excerpt:

How Has the Passage of the Dodd-Frank Act Affected Performances of Small and Medium Size Banks? An Empirical Analysis of Increasing Regulatory Stringency

Download How Has the Passage of the Dodd-Frank Act Affected Performances of Small and Medium Size Banks? An Empirical Analysis of Increasing Regulatory Stringency PDF Online Free

Author : Rongpeng Yang
Publisher :
ISBN 13 :
Total Pages : 76 pages
Book Rating : 4.:/5 (15 download)

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Book Synopsis How Has the Passage of the Dodd-Frank Act Affected Performances of Small and Medium Size Banks? An Empirical Analysis of Increasing Regulatory Stringency by : Rongpeng Yang

Download or read book How Has the Passage of the Dodd-Frank Act Affected Performances of Small and Medium Size Banks? An Empirical Analysis of Increasing Regulatory Stringency written by Rongpeng Yang and published by . This book was released on 2018 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt: On July 21, 2010, President Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act into law as a policy response to the worst financial crisis since the Great Depression. With Dodd-Frank becoming the law, for the past seven years, numerous rules have been made in accordance to the statutory texts of the Act. Given the uniform applicable nature of many rules made following Dodd-Frank, many have realized that for smaller financial institutions, tightened regulations may have negative unintended consequences. This paper investigates the impact of Dodd-Frank on the performance of small- and medium-size banks, using a bank-level panel data from 2006 to 2016. It is anticipated the passage of Dodd-Frank has negatively impacted the performances of smaller banks.

The Impact of Dodd-Frank on Community Banks

Author : Tanya D. Marsh
Publisher :
ISBN 13 :
Total Pages : 52 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis The Impact of Dodd-Frank on Community Banks by : Tanya D. Marsh

Download or read book The Impact of Dodd-Frank on Community Banks written by Tanya D. Marsh and published by . This book was released on 2013 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: The regulatory framework for financial institutions in the United States, including many provisions of The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank), impose significant costs on community banks without providing benefits to consumers or the economy that justify those costs. The stated purpose of Dodd-Frank was to prevent another financial crisis by enhancing consumer protection and ending the era of "too big to fail." However, the application of Dodd-Frank to community banks is misplaced. Community banks did not cause the financial crisis. The relationship-banking business model and market forces protect the customers of community banks without the need for additional regulation. Dodd-Frank builds on decades of "one size fits all" regulation of financial institutions, an ill-conceived regulatory framework that puts community banks at a competitive disadvantage to their larger, more complex competitors. The imposition of regulatory burdens on community banks without attendant benefits ultimately harms both consumers and the economy by: (1) forcing community banks to consolidate or go out of business, furthering the concentration of assets in a small number of mega-financial institutions; and (2) encouraging standardization of financial products, leaving millions of vulnerable borrowers without meaningful access to credit. Neither of these outcomes will protect consumers, the financial system, or the recovery of the American economy.

Impact of the Dodd-Frank Wall Street Reform and Consumer Protection on Bank of America

Author : Nicole Tode
Publisher : GRIN Verlag
ISBN 13 : 3656293791
Total Pages : 10 pages
Book Rating : 4.6/5 (562 download)

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Book Synopsis Impact of the Dodd-Frank Wall Street Reform and Consumer Protection on Bank of America by : Nicole Tode

Download or read book Impact of the Dodd-Frank Wall Street Reform and Consumer Protection on Bank of America written by Nicole Tode and published by GRIN Verlag. This book was released on 2012-10-19 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2010 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, San Diego State University, language: English, abstract: 1. Bank of America presentation and major activities, 2. Choice of four factors and explanation, 3. Possible impacts on Bank of America due to the regulatory changes, 4. References.

Community Banks and Credit Unions

Author : United States Government Account Office
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781983546365
Total Pages : 90 pages
Book Rating : 4.5/5 (463 download)

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Book Synopsis Community Banks and Credit Unions by : United States Government Account Office

Download or read book Community Banks and Credit Unions written by United States Government Account Office and published by Createspace Independent Publishing Platform. This book was released on 2018-01-05 with total page 90 pages. Available in PDF, EPUB and Kindle. Book excerpt: Community Banks and Credit Unions: Impact of the Dodd-Frank Act Depends Largely on Future Rule Makings

The Dodd-Frank Act and Its Impact on Agricultural Lending

Author : Bradley D. Bettencourt
Publisher :
ISBN 13 :
Total Pages : 79 pages
Book Rating : 4.:/5 (91 download)

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Book Synopsis The Dodd-Frank Act and Its Impact on Agricultural Lending by : Bradley D. Bettencourt

Download or read book The Dodd-Frank Act and Its Impact on Agricultural Lending written by Bradley D. Bettencourt and published by . This book was released on 2014 with total page 79 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Act was created to promote financial stability in the United States. However, no one is quite sure what it is yet. While action had to be taken and Dodd-Frank has some positives, Dodd-Frank, as it is deciphered today, has severe drawbacks. Since Dodd-Frank is only in its infancy, it is difficult to form an interim conclusion about its effects on agricultural lending at this point. After passing Dodd-Frank in 2010, the government began trying to figure out what it means. Four years later, they are still trying and are about half way through making the rules. This law essentially replaces Glass-Steagall, which was repealed several years ago. Many believe repealing Glass-Steagall was a big reason for the financial collapse of 2008. While Glass-Steagall was a short, easily understood document, Dodd Frank adds many more regulations and pages. This creates a long, bulky, confusing law that seems to be extremely tough to comprehend legally or as a banker. In this study, I try to balance the positives and negatives of Dodd-Frank to understand if it is more detrimental or beneficial to agricultural lending. While we find that Dodd-Frank does help keep banks from some of the risky investments that many believe led to the financial crisis, the added paperwork, compliance costs, and strain it puts on small banks can be worrisome. I interviewed several agriculture-lending professionals who regularly deal with the rules and regulations of Dodd-Frank to discover the impact the new law has on banks, their customers, and the economy as a whole. These interviews give insight into what Dodd-Frank means to the agriculture-lending market and what changes have had to occur since the law was passed. These interviews demonstrate that Dodd-Frank is largely looked down upon by the banking industry. The professionals interviewed are very experienced. After the extensive research, interviews, and discoveries that came of this study, it was concluded that Dodd-Frank seems to hurt the lending industry much more than it helps. One major concern is the strain Dodd-Frank puts on small banks and how it makes "too big to fail" banks even bigger.

The Effects of the Dodd-Frank Act on Community Banks

Author : Hoanh Le
Publisher :
ISBN 13 :
Total Pages : 136 pages
Book Rating : 4.:/5 (1 download)

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Book Synopsis The Effects of the Dodd-Frank Act on Community Banks by : Hoanh Le

Download or read book The Effects of the Dodd-Frank Act on Community Banks written by Hoanh Le and published by . This book was released on 2017 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Consumer Financial Protection Bureau (Cfpb)

Author : David Carpenter
Publisher : CreateSpace
ISBN 13 : 9781503012165
Total Pages : 32 pages
Book Rating : 4.0/5 (121 download)

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Book Synopsis The Consumer Financial Protection Bureau (Cfpb) by : David Carpenter

Download or read book The Consumer Financial Protection Bureau (Cfpb) written by David Carpenter and published by CreateSpace. This book was released on 2014-10-31 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Title X of the Dodd-Frank Act is entitled the Consumer Financial Protection Act of 2010 (CFP Act). The CFP Act establishes the Bureau of Consumer Financial Protection (CFPB or Bureau) within the Federal Reserve System (FRS) with rule making, enforcement, and supervisory powers over many consumer financial products and services, as well as the entities that sell them. The CFP Act significantly enhances federal consumer protection regulatory authority over non depository financial institutions, potentially subjecting them to comparable supervisory, examination, and enforcement standards that have been applicable to depository institutions in the past.

Dodd-Frank ACT

Author : U.s. Government Accountability Office
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781974195251
Total Pages : 88 pages
Book Rating : 4.1/5 (952 download)

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Book Synopsis Dodd-Frank ACT by : U.s. Government Accountability Office

Download or read book Dodd-Frank ACT written by U.s. Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-08-03 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt: " Hybrid capital instruments are securities that have characteristics of both equity and debt. The Federal Reserve allowed bank holding companies to include limited amounts of hybrid instruments known as trust preferred securities in the highest level of required capital (Tier 1), although other federal banking regulators never approved these or other hybrid instruments for this purpose. Responding to concerns that these instruments did not perform well during the 2007-2009 financial crisis, in 2010 the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) required regulators to establish rules that will exclude the instruments from Tier 1 capital and required GAO to study the possible effects of this provision. This report addresses (1) the use, benefits, and risks of hybrid instruments as Tier 1 capital; (2) the potential effects of the exclusion on banking institutions and the economy; and (3) options for smaller banking institutions to access regulatory capital. For this work, GAO analyzed data from financial regulatory filings and other sources, interviewed regulators and market participants, conducted economic analysis, and surveyed smaller banking institutions. GAO makes no recommendations in this report. GAO provided a draft to the banking regulators for their review and comment. FDIC and"

The State of Community Banks and Credit Unions and the Potential Role of the Dodd-Frank Act

Author : Jeffrey R. Holman
Publisher : Nova Publishers
ISBN 13 : 9781624172281
Total Pages : 178 pages
Book Rating : 4.1/5 (722 download)

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Book Synopsis The State of Community Banks and Credit Unions and the Potential Role of the Dodd-Frank Act by : Jeffrey R. Holman

Download or read book The State of Community Banks and Credit Unions and the Potential Role of the Dodd-Frank Act written by Jeffrey R. Holman and published by Nova Publishers. This book was released on 2021-06 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Act includes numerous reforms to strengthen oversight of financial services firms and consolidate certain consumer protection responsibilities within the Consumer Financial Protection Bureau (CFPB). To help minimize its regulatory burden on small institutions, including community banks and credit unions, the act exempts such institutions from several of its provisions. However, the act also contains provisions that impose additional requirements on small institutions. Historically, community banks and credit unions have played an important role in providing credit to small businesses and other local customers. This book examines the significant changes community banks and credit unions have undergone in the past decade and the factors that have contributed to such changes with a focus on the Dodd-Frank Act provisions that regulators, industry associations, and others expect to impact community banks and credit unions, including their small business lending