IDEAS home Printed from https://ideas.repec.org/a/fip/fedcec/00025.html
   My bibliography  Save this article

A Gap in Regulation and the Looser Lending Standards that Followed

Author

Listed:
  • Yuliya Demyanyk
  • Elena Loutskina

Abstract

New research highlights how disparities in the regulatory treatment of banks and shadow banking organizations before the fi nancial crisis allowed heavily-regulated bank holding companies to lend through their less-regulated subsidiaries. Doing so helped them to conserve their regulatory capital, avoid recognizing costly loan losses, and pursue riskier lending while still adhering to banking regulations.

Suggested Citation

  • Yuliya Demyanyk & Elena Loutskina, 2014. "A Gap in Regulation and the Looser Lending Standards that Followed," Economic Commentary, Federal Reserve Bank of Cleveland, issue Oct.
  • Handle: RePEc:fip:fedcec:00025
    as

    Download full text from publisher

    File URL: https://www.clevelandfed.org/~/media/content/newsroom%20and%20events/publications/economic%20commentary/2014/ec%20201420%20a%20gap%20in%20regulation%20and%20the%20looser%20lending%20standards%20that%20followed/ec%20201420%20a%20gap%20in%20regulation%20and%20the%20looser%20lending%20standards%20that%20followed%20pdf.pdf?la=en
    File Function: Full text
    Download Restriction: no
    ---><---

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:fip:fedcec:00025. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: . General contact details of provider: https://edirc.repec.org/data/frbclus.html .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: 4D Library (email available below). General contact details of provider: https://edirc.repec.org/data/frbclus.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.