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Bank merger policy and the new CRA data

Author

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  • Anthony W. Cyrnak

Abstract

Data 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.

Suggested Citation

  • Anthony W. Cyrnak, 1998. "Bank merger policy and the new CRA data," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), vol. 84(Sep), pages 703-715, September.
    • Handle: RePEc:fip:fedgrb:y:1998:i:sep:p:703-715:n:v.84no.9
    DOI: 10.17016/bulletin.1998.84-9
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    File URL: http://www.federalreserve.gov/pubs/bulletin/1998/998lead.pdf
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    Citations

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    Cited by:

    1. 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.
    2. Timothy Hannan, 2003. "Changes in Non-Local Lending to Small Business," Journal of Financial Services Research, Springer;Western Finance Association, vol. 24(1), pages 31-46, August.
    3. Susan White HAAG, 2002. "Community Reinvestment: A Review of Urban Outcomes and Challenges," International Regional Science Review, , vol. 25(3), pages 252-275, July.

    More about this item

    Keywords

    Bank mergers; Community Reinvestment Act of 1977; Antitrust law;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • G34 - Financial Economics - - Corporate Finance and Governance - - - Mergers; Acquisitions; Restructuring; Corporate Governance

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