Download or read book The Effect of Dodd Frank on Small Financial Institutions and Small Businesses written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2011 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Dodd Frank Act written by United States. Congress. House. Committee on Small Business. Subcommittee on Economic Growth, Capital Access, and Tax and published by . This book was released on 2011 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Dodd Frank Act written by United States House of Representatives and published by . This book was released on 2019-09-11 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Act: impact on small business lending: hearing before the Subcommittee on Economic Growth, Capital Access, and Tax of the Committee on Small Business, United States House of Representatives, One Hundred Twelfth Congress, first session, hearing held June 16, 2011.

Download or read book Community Banks and Credit Unions written by U.s. Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-08-04 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt: " The Dodd-Frank Act includes numerous reforms to strengthen oversight of financial services firms and consolidate certain consumer protection responsibilities within CFPB. To help minimize its regulatory burden on small institutions, including community banks and credit unions, the act exempts such institutions from several of its provisions. However, the act also contains provisions that impose additional requirements on small institutions. Although no commonly accepted definition of a community bank exists, the term often is associated with smaller banks. Historically, community banks and credit unions have played an important role in providing credit to small businesses and other local customers. This report examines (1) the significant changes community banks and credit unions have undergone in the past decade and the factors that have contributed to such changes, and (2) Dodd-Frank Act provisions that regulators, industry associations, and others expect to impact community banks and credit unions, including their small business lending. GAO analyzed regulatory and other data on community banks and credit unions; reviewed academic and other relevant studies; and interviewed federal regulators, community banks, credit unions, state regulatory and industry associations, academics, and others. "

Download or read book Open for Business written by United States. Congress. House. Committee on Small Business. Subcommittee on Investigations, Oversight, and Regulations and published by . This book was released on 2011 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Dodd frank Act written by United States Congress and published by Createspace Independent Publishing Platform. This book was released on 2017-10-10 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Act: impact on small business lending : hearing before the Subcommittee on Economic Growth, Capital Access, and Tax of the Committee on Small Business, United States House of Representatives, One Hundred Twelfth Congress, first session, hearing held June 16, 2011.

Download or read book Deregulation of Financial Institutions and Its Impact on Small Business Financing written by United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities and published by . This book was released on 1984 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Current Trends in the Financial Services Industry and Their Impact on Small Business Financing written by United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities and published by . This book was released on 1985 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Regulating Wall Street written by New York University Stern School of Business and published by John Wiley & Sons. This book was released on 2010-10-28 with total page 592 pages. Available in PDF, EPUB and Kindle. Book excerpt: Experts from NYU Stern School of Business analyze new financial regulations and what they mean for the economy The NYU Stern School of Business is one of the top business schools in the world thanks to the leading academics, researchers, and provocative thinkers who call it home. In Regulating Wall Street: The New Architecture of Global Finance, an impressive group of the Stern school’s top authorities on finance combine their expertise in capital markets, risk management, banking, and derivatives to assess the strengths and weaknesses of new regulations in response to the recent global financial crisis. Summarizes key issues that regulatory reform should address Evaluates the key components of regulatory reform Provides analysis of how the reforms will affect financial firms and markets, as well as the real economy The U.S. Congress is on track to complete the most significant changes in financial regulation since the 1930s. Regulating Wall Street: The New Architecture of Global Finance discusses the impact these news laws will have on the U.S. and global financial architecture.

Download or read book Assessing the Impact of the Dodd Frank Act Four Years Later written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2015 with total page 170 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Impact of the Dodd Frank Act on the Performance of US Listed Commercial and Savings Banks written by Zhuo Jian Tang and published by GRIN Verlag. This book was released on 2016-08-03 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2015 in the subject Business economics - Investment and Finance, Peking University, language: English, abstract: The impact of financial regulation has critical importance on firm performance and profitability. The aftermath of the Financial Crisis of 2008 saw the biggest regulatory reform in the U.S. financial system since the Great Depression. One of the main causes of the crisis was the excessive risk-taking by large firms because prior financial regulations had loopholes that firms could take advantage of. This reform’s intended purpose is to address and fix those failures in past regulatory oversight. With 398 proposed rules and more than 2,000 pages, the Dodd-Frank Wall Street Financial Reform and Consumer Protection Act signed into law in 2010, tackles many issues and implements many changes to the financial system. For one, it established new government oversight agencies, such as the Consumer Financial Protection Bureau (CFPB) and the Financial Stability Oversight Council (FSOC); it also outlined new capital requirement standards for banks, aimed to strengthen investor protection, increase the transparency of OTC derivatives, and improve the regulation of credit rating agencies. Our paper provides empirical evidence on whether the Dodd-Frank Act has any significant impact on the performance of U.S.-listed commercial and savings institutions while controlling for bank size. With a sample size of 640 publicly listed commercial and savings banks in the U.S. over each quarter between 2005-2014, we investigate the impact of the Dodd-Frank Act, bank-specific characteristics, and macroeconomic indicators on banks’ net interest margin, return on assets, and return on equity using a ‘difference-in-differences’ approach. Our results indicate that the Dodd-Frank Act has a significant negative impact on bank performance, indicated by the net interest margin. Return on assets and return on equity show no significant difference between small banks and big banks. More importantly the interaction term, between the Big Bank dummy and the Dodd-Frank dummy, negatively correlates with bank performance for net interest margin, return on assets, and return on equity. Furthermore, we find that bank-specific characteristics explain a substantial portion of bank performance. The contribution of our work is that, to the best of our knowledge, our paper is the first to provide empirical evidence on the impact of the Dodd-Frank on US-listed commercial and savings banks performance using the most recent data for our analysis.

Download or read book Banking on Small Business written by United States. Congress. House. Committee on Small Business. Subcommittee on Regulation, Business Opportunities, and Technology and published by . This book was released on 1993 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Bank Deregulation and Its Impact on Small Business Lending written by United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities and published by . This book was released on 1982 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Bearing the Burden written by House Committee on Small Business and published by Createspace Independent Publishing Platform. This book was released on 2016-11-10 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Subcommittee met, pursuant to call, at 10:00 a.m., in Room 2360, Rayburn House Office Building. Hon. Tim Huelskamp [chairman of the Subcommittee] presiding. Present: Representatives Huelskamp, Luetkemeyer, Kelly, and Chu. Chairman HUELSKAMP. I call this hearing to order. It has been just about 6 years since the passage of the Dodd- Frank Wall Street Reform, and in that time we have seen a steady stream of new rules and regulations imposed upon financial institutions. These hundreds of rules and thousands of pages of regulation have been touted as necessary to secure financial stability, and targeting just those large institutions which were blamed for the financial collapse. But as this Committee has learned, our small community banks have not been spared from the regulatory burden. Across the country, community banks are seeing the costs of complying with regulations soar, and the result has been less capital available for the main street shop looking to expand, for the entrepreneur looking to start a business, and for our neighbors hoping to purchase a new home. The impact of regulation on community banks is felt especially hard in our country's rural areas, like my district in Kansas. The rising cost of regulation is causing many small banks to be forced to merge with larger entities that may not understand the local community, or causing them to shut their doors entirely. In rural towns without many other alternatives for access to capital, the results of these top-down regulations can be devastating and impact the whole town and the entire county and region. Home mortgage lending, small business lending, agricultural lending, all areas where community banks play a leading role in providing capital, become much more difficult and much more costly to consumers.

Download or read book The State of Community Banks and Credit Unions and the Potential Role of the Dodd Frank Act written by Jeffrey R. Holman and published by Nova Publishers. This book was released on 2021-06 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Act includes numerous reforms to strengthen oversight of financial services firms and consolidate certain consumer protection responsibilities within the Consumer Financial Protection Bureau (CFPB). To help minimize its regulatory burden on small institutions, including community banks and credit unions, the act exempts such institutions from several of its provisions. However, the act also contains provisions that impose additional requirements on small institutions. Historically, community banks and credit unions have played an important role in providing credit to small businesses and other local customers. This book examines the significant changes community banks and credit unions have undergone in the past decade and the factors that have contributed to such changes with a focus on the Dodd-Frank Act provisions that regulators, industry associations, and others expect to impact community banks and credit unions, including their small business lending

Download or read book Financing Main Street written by Subcommittee on Economic Growth and CAPITAL ACCESS and published by Createspace Independent Publishing Platform. This book was released on 2016-11-10 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Subcommittee met, pursuant to call, at 1:00 p.m., in Room 2360, Rayburn House Office Building. Hon. Tom Rice [Chairman of the Subcommittee] presiding. Present: Representatives Rice, Chabot, Luetkemeyer, Hanna, Brat, Radewagen, Kelly, Chu, Hahn, and Payne. Chairman RICE. We are going to go ahead and proceed. I will call to order this meeting of the Subcommittee on Economic Growth, Tax and Capital Access of the Small Business Committee. Thank you to everybody, especially to our witnesses for being here. Five years ago, the Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law. With its passage came an onslaught of regulations. As we are aware, prior to Dodd- Frank's passage, there was a commonly repeated phrase of ''too big to fail, '' and a sense that our economy had been hurt due to large financial institutions inappropriate actions. This law was meant to curtail the inappropriate and risky actions of these ''too big to fail'' banks and increase financial stability and transparency while providing greater consumer protection. Today, we are not seeing the benefits promised by the proponents of the law. The economy is not rebounding exponentially. We are not seeing financially stronger and smarter banking. Instead, as we will hear from our witnesses today, the small guys, who did not create the problems, are the ones who are suffering. The losers in this equation are small businesses, both the everyday Main Street business that has trouble getting a loan, and the local bank that has to hire compliance officers instead of getting capital into the hands of local small businesses

Download or read book Regulatory Landscape written by United States. Congress. House. Committee on Small Business. Subcommittee on Investigations, Oversight, and Regulations and published by . This book was released on 2014 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt: