The Impact Of The Dood Frank Act On Small Business

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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 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 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 Dodd-frank Act

Author : United States Congress
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781978100312
Total Pages : 68 pages
Book Rating : 4.1/5 (3 download)

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Book Synopsis The Dodd-frank Act by : United States Congress

Download or read book The Dodd-frank Act written by United States Congress and published by Createspace Independent Publishing Platform. This book was released on 2017-10-10 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Act: impact on small business lending : hearing before the Subcommittee on Economic Growth, Capital Access, and Tax of the Committee on Small Business, United States House of Representatives, One Hundred Twelfth Congress, first session, hearing held June 16, 2011.

The Dodd-Frank Act

Author : United States House of Representatives
Publisher :
ISBN 13 : 9781692330934
Total Pages : 70 pages
Book Rating : 4.3/5 (39 download)

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Book Synopsis The Dodd-Frank Act by : United States House of Representatives

Download or read book The Dodd-Frank Act written by United States House of Representatives and published by . This book was released on 2019-09-11 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Act: impact on small business lending: hearing before the Subcommittee on Economic Growth, Capital Access, and Tax of the Committee on Small Business, United States House of Representatives, One Hundred Twelfth Congress, first session, hearing held June 16, 2011.

The Dodd-Frank Act

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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 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Open for Business

Author : United States. Congress. House. Committee on Small Business. Subcommittee on Investigations, Oversight, and Regulations
Publisher :
ISBN 13 :
Total Pages : 72 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Open for Business by : United States. Congress. House. Committee on Small Business. Subcommittee on Investigations, Oversight, and Regulations

Download or read book Open for Business written by United States. Congress. House. Committee on Small Business. Subcommittee on Investigations, Oversight, and Regulations and published by . This book was released on 2011 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:

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. "

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:

Regulating Wall Street

Author : New York University Stern School of Business
Publisher : John Wiley & Sons
ISBN 13 : 0470949864
Total Pages : 592 pages
Book Rating : 4.4/5 (79 download)

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Book Synopsis Regulating Wall Street by : New York University Stern School of Business

Download or read book Regulating Wall Street written by New York University Stern School of Business and published by John Wiley & Sons. This book was released on 2010-10-28 with total page 592 pages. Available in PDF, EPUB and Kindle. Book excerpt: Experts from NYU Stern School of Business analyze new financial regulations and what they mean for the economy The NYU Stern School of Business is one of the top business schools in the world thanks to the leading academics, researchers, and provocative thinkers who call it home. In Regulating Wall Street: The New Architecture of Global Finance, an impressive group of the Stern school’s top authorities on finance combine their expertise in capital markets, risk management, banking, and derivatives to assess the strengths and weaknesses of new regulations in response to the recent global financial crisis. Summarizes key issues that regulatory reform should address Evaluates the key components of regulatory reform Provides analysis of how the reforms will affect financial firms and markets, as well as the real economy The U.S. Congress is on track to complete the most significant changes in financial regulation since the 1930s. Regulating Wall Street: The New Architecture of Global Finance discusses the impact these news laws will have on the U.S. and global financial architecture.

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.

Financing Main Street

Author : United States. Congress
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781981119677
Total Pages : 98 pages
Book Rating : 4.1/5 (196 download)

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Book Synopsis Financing Main Street by : United States. Congress

Download or read book Financing Main Street written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2017-12-08 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financing Main Street : how Dodd-Frank is crippling small lenders and access to capital : hearing before the Subcommittee on Economic Growth, Tax and Capital Access of the Committee on Small Business, United States House of Representatives, One Hundred Fourteenth Congress, first session, hearing held September 17, 2015.

Subcommittee on Investigations and Oversight Hearing on the Impact of Interchange Fees on Small Businesses

Author : United States. Congress. House. Committee on Small Business. Subcommittee on Investigations and Oversight
Publisher :
ISBN 13 :
Total Pages : 108 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Subcommittee on Investigations and Oversight Hearing on the Impact of Interchange Fees on Small Businesses by : United States. Congress. House. Committee on Small Business. Subcommittee on Investigations and Oversight

Download or read book Subcommittee on Investigations and Oversight Hearing on the Impact of Interchange Fees on Small Businesses written by United States. Congress. House. Committee on Small Business. Subcommittee on Investigations and Oversight and published by . This book was released on 2010 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Financial Regulatory Reform

Author :
Publisher :
ISBN 13 :
Total Pages : 92 pages
Book Rating : 4.:/5 (3 download)

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Book Synopsis Financial Regulatory Reform by :

Download or read book Financial Regulatory Reform written by and published by . This book was released on 2009 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report details the proposed reforms by the US Dept of Treasury to meet the following five key objectives: (1) Promote robust supervision and regulation of financial firms, (2) Establish comprehensive supervision of financial markets, (3) Protect consumers and investors from financial abuse, (4) Provide the government with the tools it needs to manage financial crises (5) Raise international regulatory standards and improve international cooperation.

Bearing the Burden

Author : House Committee on Small Business
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781540335807
Total Pages : 64 pages
Book Rating : 4.3/5 (358 download)

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Book Synopsis Bearing the Burden by : House Committee on Small Business

Download or read book Bearing the Burden written by House Committee on Small Business and published by Createspace Independent Publishing Platform. This book was released on 2016-11-10 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Subcommittee met, pursuant to call, at 10:00 a.m., in Room 2360, Rayburn House Office Building. Hon. Tim Huelskamp [chairman of the Subcommittee] presiding. Present: Representatives Huelskamp, Luetkemeyer, Kelly, and Chu. Chairman HUELSKAMP. I call this hearing to order. It has been just about 6 years since the passage of the Dodd- Frank Wall Street Reform, and in that time we have seen a steady stream of new rules and regulations imposed upon financial institutions. These hundreds of rules and thousands of pages of regulation have been touted as necessary to secure financial stability, and targeting just those large institutions which were blamed for the financial collapse. But as this Committee has learned, our small community banks have not been spared from the regulatory burden. Across the country, community banks are seeing the costs of complying with regulations soar, and the result has been less capital available for the main street shop looking to expand, for the entrepreneur looking to start a business, and for our neighbors hoping to purchase a new home. The impact of regulation on community banks is felt especially hard in our country's rural areas, like my district in Kansas. The rising cost of regulation is causing many small banks to be forced to merge with larger entities that may not understand the local community, or causing them to shut their doors entirely. In rural towns without many other alternatives for access to capital, the results of these top-down regulations can be devastating and impact the whole town and the entire county and region. Home mortgage lending, small business lending, agricultural lending, all areas where community banks play a leading role in providing capital, become much more difficult and much more costly to consumers.

Financing Main Street

Author : Subcommittee on Economic Growth and CAPITAL ACCESS
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781540336040
Total Pages : 98 pages
Book Rating : 4.3/5 (36 download)

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Book Synopsis Financing Main Street by : Subcommittee on Economic Growth and CAPITAL ACCESS

Download or read book Financing Main Street written by Subcommittee on Economic Growth and CAPITAL ACCESS and published by Createspace Independent Publishing Platform. This book was released on 2016-11-10 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Subcommittee met, pursuant to call, at 1:00 p.m., in Room 2360, Rayburn House Office Building. Hon. Tom Rice [Chairman of the Subcommittee] presiding. Present: Representatives Rice, Chabot, Luetkemeyer, Hanna, Brat, Radewagen, Kelly, Chu, Hahn, and Payne. Chairman RICE. We are going to go ahead and proceed. I will call to order this meeting of the Subcommittee on Economic Growth, Tax and Capital Access of the Small Business Committee. Thank you to everybody, especially to our witnesses for being here. Five years ago, the Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law. With its passage came an onslaught of regulations. As we are aware, prior to Dodd- Frank's passage, there was a commonly repeated phrase of ''too big to fail, '' and a sense that our economy had been hurt due to large financial institutions inappropriate actions. This law was meant to curtail the inappropriate and risky actions of these ''too big to fail'' banks and increase financial stability and transparency while providing greater consumer protection. Today, we are not seeing the benefits promised by the proponents of the law. The economy is not rebounding exponentially. We are not seeing financially stronger and smarter banking. Instead, as we will hear from our witnesses today, the small guys, who did not create the problems, are the ones who are suffering. The losers in this equation are small businesses, both the everyday Main Street business that has trouble getting a loan, and the local bank that has to hire compliance officers instead of getting capital into the hands of local small businesses

Bank Deregulation and Its Impact on Small Business Lending

Author : United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities
Publisher :
ISBN 13 :
Total Pages : 288 pages
Book Rating : 4.0/5 (18 download)

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Book Synopsis Bank Deregulation and Its Impact on Small Business Lending by : United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities

Download or read book Bank Deregulation and Its Impact on Small Business Lending written by United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities and published by . This book was released on 1982 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: