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A Gap in Regulation and the Looser Lending Standards that Followed

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  • 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
    DOI: 10.26509/frbc-ec-201420
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