Bank Consolidation and Small Business Lending: The Role of Community Banks

2003 ◽  
Author(s):  
Robert B. Avery ◽  
Katherine Samolyk
Keyword(s):  
Small Business ◽  
Community Banks ◽  
Small Business Lending ◽  
Bank Consolidation

Small-business lending will suffer under US bank rules

2015 ◽  
Keyword(s):  
Financial Crisis ◽  
Small Business ◽  
Primary Target ◽  
Community Banks ◽  
Small Business Lending ◽  
Wall Street ◽  
Compliance Costs ◽  
Content Type ◽  
Job Growth ◽  
Regional Banks

Significance Community and regional banks were never the primary target of post-financial crisis reforms, but have been affected by the knock-on effects of the 2010 Dodd-Frank Wall Street Reform and Competitiveness Act. Impacts Regulation has an outsize impact on institutions that have a smaller base over which to amortise regulatory and compliance costs. This has major consequences for lending patterns, as smaller community banks are still a significant source of small loans to businesses. Regulatory relief for smaller institutions could free up resources for small business lending, which might stimulate job growth.

Sign in / Sign up

Export Citation Format

Share Document