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Quantifying the costs of additional regulation on community banks

Author

Listed:
  • Ron J. Feldman
  • Ken Heinecke
  • Jason Schmidt

Abstract

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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    File URL: https://www.minneapolisfed.org/~/media/files/pubs/eppapers/13-3/epp_13-3_community_banks.pdf
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    Citations

    Blog mentions

    As found by EconAcademics.org, 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

    Citations

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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 Münster, 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.
    3. Kyle D. Allen & Travis R. Davidson & Scott E. Hein & Matthew D. Whitledge, 2018. "Dodd–Frank’s federal deposit insurance reform," Journal of Banking Regulation, Palgrave Macmillan, vol. 19(4), pages 271-286, November.
    4. Burak Dolar & Ben Dale, 2020. "The Dodd–Frank Act’s non-uniform regulatory impact on the banking industry," Journal of Banking Regulation, Palgrave Macmillan, vol. 21(2), pages 188-195, June.
    5. Gaganis, Chrysovalantis & Galariotis, Emilios & Pasiouras, Fotios & Staikouras, Christos, 2020. "Bank profit efficiency and financial consumer protection policies," Journal of Business Research, Elsevier, vol. 118(C), pages 98-116.
    6. Leledakis, George N. & Pyrgiotakis, Emmanouil G., 2022. "U.S. bank M&As in the post-Dodd–Frank Act era: Do they create value?," Journal of Banking & Finance, Elsevier, vol. 135(C).
    7. McLaughlin, Patrick & Febrizio, Mark & Sherouse, Oliver & King, Scott, 2020. "Is Dodd-Frank the Biggest Law Ever?," Working Papers 09585, George Mason University, Mercatus Center.

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