Bank merger policy and the new CRA data
AbstractData now being collected under the Community Reinvestment Act can be used to examine several issues related to analyses of the competitive effects of proposed bank mergers and bank holding company acquisitions. This article looks at two of those issues: whether locally based commercial banks and savings institutions face significant competition in small business lending from institutions based outside local banking markets, and whether measured levels of market concentration differ significantly when calculated on the basis of small business loan originations rather than bank deposits, as has traditionally been done.
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Bibliographic InfoArticle provided by Board of Governors of the Federal Reserve System (U.S.) in its journal Federal Reserve Bulletin.
Volume (Year): (1998)
Issue (Month): Sep ()
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- Timothy Hannan, 2003. "Changes in Non-Local Lending to Small Business," Journal of Financial Services Research, Springer, vol. 24(1), pages 31-46, August.
- Raphael Bostic & Hamid Mehran & Anna Paulson & Marc Saidenberg, 2002.
"Regulatory incentives and consolidation: the case of commercial bank mergers and the Community Reinvestment Act,"
Working Paper Series
WP-02-06, Federal Reserve Bank of Chicago.
- Bostic Raphael & Paulson Anna L & Mehran Hamid & Saidenberg Marc, 2005. "Regulatory Incentives and Consolidation: The Case of Commercial Bank Mergers and the Community Reinvestment Act," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 5(1), pages 1-27, April.
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