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The Effect Of Dodd Frank On Small Financial Institutions And Small Businesses
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Book Synopsis The Effect of Dodd-Frank on Small Financial Institutions and Small Businesses by : United States House of Representatives
Download or read book The Effect of Dodd-Frank on Small Financial Institutions and Small Businesses written by United States House of Representatives and published by . This book was released on 2019-10-22 with total page 234 pages. Available in PDF, EPUB and Kindle. Book excerpt: The effect of Dodd-Frank on small financial institutions and small businesses: hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Twelfth Congress, first session, March 2, 2011.
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)
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:
Book Synopsis The Effect of Dodd-Frank on Small Financial Institutions and Small Businesses, Serial No. 112-12, March 2, 2011, 112-1 Hearing, * by : United States. Congress. House. Committee on Financial Services
Download or read book The Effect of Dodd-Frank on Small Financial Institutions and Small Businesses, Serial No. 112-12, March 2, 2011, 112-1 Hearing, * written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2011* with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
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)
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:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :226 pages Book Rating :4.:/5 (19 download)
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 226 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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.
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.
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.
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. "
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.
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:
Book Synopsis The New Financial Deal by : David Skeel
Download or read book The New Financial Deal written by David Skeel and published by John Wiley & Sons. This book was released on 2010-11-29 with total page 243 pages. Available in PDF, EPUB and Kindle. Book excerpt: The good, the bad, and the scary of Washington's attempt to reform Wall Street The Dodd-Frank Wall Street Reform and Consumer Protection Act is Washington's response to America's call for a new regulatory framework for the twenty-first century. In The New Financial Deal, author David Skeel offers an in-depth look at the new financial reforms and questions whether they will bring more effective regulation of contemporary finance or simply cement the partnership between government and the largest banks. Details the goals of the legislation, and reveals that how they are handled could dangerously distort American finance, making it more politically charged, less vibrant, and further removed from basic rule of law principles Provides an inside account of the legislative process Outlines the key components of the new law To understand what American financial life is likely to look like in five, ten, or twenty years, and how regulators will respond to the next crisis, we need to understand Dodd-Frank. The New Financial Deal provides that understanding, breaking down both what Dodd-Frank says and what it all means.
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.
Book Synopsis Perspectives on Dodd-Frank and Finance by : Paul H. Schultz
Download or read book Perspectives on Dodd-Frank and Finance written by Paul H. Schultz and published by MIT Press. This book was released on 2014-10-10 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: Experts debate the possible consequences of the Dodd–Frank Act, discussing such topics as banking regulation, derivatives, the Volcker rule, and mortgage reform. The Dodd–Frank Wall Street Reform and Consumer Protection Act, passed by Congress in 2010 largely in response to the financial crisis, created the Financial Stability Oversight Council and the Consumer Financial Protection Bureau; among other provisions, it limits proprietary trading by banks, changes the way swaps are traded, and curtails the use of credit ratings. The effects of Dodd–Frank remain a matter for speculation; more than half of the regulatory rulemaking called for in the bill has yet to be completed. In this book, experts on Dodd–Frank and financial regulation—academics, regulators, and practitioners—discuss the ways that the law is likely to succeed and the ways it is likely to come up short. Placing their discussion in the broader context of regulatory issues, the contributors consider banking reform; the regulation of derivatives; the Volcker Rule, and whether or not banks should be forced to stop proprietary trading; the establishment of the Consumer Financial Protection Bureau, and possible flaws in its conception; the law and “too-big-to-fail” institutions; mortgage reform, including qualification requirements and securitization; and new disclosure requirements regarding CEO compensation and conflict minerals. Contributors James R. Barth, Jeff Bloch, Mark A. Calabria, Charles W. Calomiris, Shane Corwin, Cem Demiroglu, John Dearie, Amy K. Edwards, Raymond P. H. Fishe, Priyank Gandhi, Thomas M. Hoenig, Christopher M. James, Anil K Kashyap, Robert McDonald, James Overdahl, Craig Pirrong, Matthew Richardson, Paul H. Schultz, David Skeel, Chester Spatt, Anjan Thakor, John Walsh, Lawrence J. White, Arthur Wilmarth, Todd J. Zywicki
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)
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:
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)
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.
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)
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.
