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Quantifying the costs of additional regulation on community banks


  • Ron J. Feldman
  • Ken Heinecke
  • Jason Schmidt


In this Economic Policy Paper, we quantify the cost of increased regulation on community banks. We do so by modeling the impact of new regulatory costs as the hiring of additional staff, resulting in higher total compensation and lower profitability. We then analyze the changes in the distribution of community bank profitability.

Suggested Citation

  • Ron J. Feldman & Ken Heinecke & Jason Schmidt, 2013. "Quantifying the costs of additional regulation on community banks," Economic Policy Paper 13-3, Federal Reserve Bank of Minneapolis.
  • Handle: RePEc:fip:fedmep:13-3

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    Blog mentions

    As found by, the blog aggregator for Economics research:
    1. Dodd-Frank, the CHOICE Act and Small Banks
      by Steve Cecchetti and Kim Schoenholtz in Money, Banking and Financial Markets on 2016-12-12 20:34:17


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    Cited by:

    1. Schenkel, Andreas, 2016. "Kosten der Compliance-Regulierung: Eine empirische Untersuchung am Beispiel der deutschen Genossenschaftsbanken," Arbeitspapiere 169, University of M√ľnster, Institute for Cooperatives.
    2. JAMES Hannah & CASEY Michael & MITCHELL David, 2019. "Decline In State Chartered Banks:Causes, Concerns, And Conclusions," Studies in Business and Economics, Lucian Blaga University of Sibiu, Faculty of Economic Sciences, vol. 14(1), pages 99-110, April.

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