Concentration of insured deposit funding among the top four commercial banks in the U.S. has risen from 15% in 1984 to 44% in 2018, a roughly three-fold increase. Regulation has often been attributed as a factor in that increase. The Riegle-Neal Interstate Banking and Branching Efficiency Act of...

A large-scale microcredit expansion program---together with a credit bureau accessible to all lenders---can enable unbanked borrowers to build a credit history, facilitating their transition to commercial banks. Loan-level data from Rwanda show the program improved access to credit and reduced...

We investigate the implications of extra-normal government spending under the COVID-19 pandemic for commercial bank lending growth between 2019Q4 and 2020Q4 in a large sample of over 3000 banks from 71 countries. We control for pre-pandemic structural factors, bank characteristics and government...

In Reaktion auf die globale Finanzkrise der Jahre 2007-2009 wurden in einer Reihe von Rechtsordnungen Bankenstrukturreformen eingeleitet und zum Teil umgesetzt. Diese gesetzgeberischen Bestrebungen zählen zu den wohl umstrittensten und im Hinblick auf die Intensität des Eingriffs in etablierte...