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The Implications of Regulation in the Community Banking Sector: Risk and Competition

In: HANDBOOK OF FINANCIAL ECONOMETRICS, MATHEMATICS, STATISTICS, AND MACHINE LEARNING

Author

Listed:
  • Gregory McKee
  • Albert Kagan

Abstract

This chapter examines the relationship between financial performance, regulatory reform, and management of community banks. The consequences of the Sarbanes–Oxley Act (SOX) and Dodd–Frank Act (DFA) regulations are observed. Risk management responses to regulatory reforms, as observed in the loan loss provision, are examined in relation to these reforms. We also observe the consequences of compliance costs on product offerings and competitive condition. Empirical methods and results provided here show that sustained operations for community banks will require a commitment to developing management expertise that observes the consequences of regulatory objectives at the firm level.

Suggested Citation

  • Gregory McKee & Albert Kagan, 2020. "The Implications of Regulation in the Community Banking Sector: Risk and Competition," World Scientific Book Chapters, in: Cheng Few Lee & John C Lee (ed.), HANDBOOK OF FINANCIAL ECONOMETRICS, MATHEMATICS, STATISTICS, AND MACHINE LEARNING, chapter 127, pages 4473-4507, World Scientific Publishing Co. Pte. Ltd..
    • Handle: RePEc:wsi:wschap:9789811202391_0131
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    More about this item

    Keywords

    Financial Econometrics; Financial Mathematics; Financial Statistics; Financial Technology; Machine Learning; Covariance Regression; Cluster Effect; Option Bound; Dynamic Capital Budgeting; Big Data;
    All these keywords.

    JEL classification:

    • C01 - Mathematical and Quantitative Methods - - General - - - Econometrics
    • C1 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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