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Basel II will trickle down to community bankers, consumers


  • William R. Emmons
  • Vahe Lskavyan
  • Timothy J. Yeager


The new banking accord could make survival for some regional and community banks more difficult. On the other hand, consumers could see lower mortgage rates.

Suggested Citation

  • William R. Emmons & Vahe Lskavyan & Timothy J. Yeager, 2005. "Basel II will trickle down to community bankers, consumers," The Regional Economist, Federal Reserve Bank of St. Louis, issue Apr, pages 12-13.
  • Handle: RePEc:fip:fedlre:y:2005:i:apr:p:12-13

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    References listed on IDEAS

    1. Peter C.B. Phillips & Shu-Ping Shi & Jun Yu, 2011. "Testing for Multiple Bubbles," Working Papers 09-2011, Singapore Management University, School of Economics.
    2. Carmen M. Reinhart & Kenneth S. Rogoff, 2014. "This Time is Different: A Panoramic View of Eight Centuries of Financial Crises," Annals of Economics and Finance, Society for AEF, vol. 15(2), pages 1065-1188, November.
    3. Carmen M. Reinhart & Kenneth S. Rogoff, 2014. "Recovery from Financial Crises: Evidence from 100 Episodes," American Economic Review, American Economic Association, vol. 104(5), pages 50-55, May.
    4. Morris A. Davis & Andreas Lehnert & Robert F. Martin, 2008. "The Rent-Price Ratio For The Aggregate Stock Of Owner-Occupied Housing," Review of Income and Wealth, International Association for Research in Income and Wealth, vol. 54(2), pages 279-284, June.
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    Cited by:

    1. R. Alton Gilbert, 2006. "Keep the Leverage Ratio for Large Banks to Limit the Competititive Effects of Implementing Basel II Captial Requirements," NFI Policy Briefs 2006-PB-01, Indiana State University, Scott College of Business, Networks Financial Institute.
    2. Paul Calem & James Follain, 2007. "Regulatory Capital Arbitrage and the Potential Competitive Impact of Basel II in the Market for Residential Mortgages," The Journal of Real Estate Finance and Economics, Springer, vol. 35(2), pages 197-219, August.


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