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[PDF File]The Decline of Big-Bank Lending to Small Business: Dynamic ...
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core small business lending operations in order to focus on the task of managing through the crisis. In the second phase, from 2010 to 2014, the Top 4 banks were slow to return to small business lending once the crisis had subsided, even as smaller banks, non-bank finance companies, and new online lenders began expanding in this market.
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[PDF File]Effects of the Community Reinvestment Act (CRA) on Small ...
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significance, magnitude, and mechanisms of the CRA’s effects on mortgage lending, small business lending, and community development activities has been inconclusive (Getter, 2015). This paper seeks to generate clearer evidence of the CRA’s impact in the context of small business lending.
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[PDF File]COMMUNITY BANKS AND SMALL BUSINESS LENDING - …
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information about small versus large bank lending to small firms. 4 Using a sample that represents about one-sixth of the bank in the United States, the survey finds that both small and large banks cite relationships and personal attention as a competitive advantage in small 1 This work was supported by the Conference of State Bank Supervisors ...
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[PDF File]A Banker’s Quick Reference Guide to CRA
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an affiliate for consideration in the bank’s assessment as a home mortgage, small business, small farm or consumer loan, unless it is a multifamily dwelling loan; and benefits the bank’s AA or a broader statewide or regional area that includes the bank’s AA. Community Development Service — A service that has as its primary
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[PDF File]A Guide to CRA Data Collection and Reporting
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ing of small business loans, small ... evaluate its home mortgage lending. If an institution wants to ensure that examiners consider all of its home mortgage loans, it may collect and maintain data on these loans. ... A Guide to CRA Data Collection and Reporting . 5 ...
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[PDF File]Small Business Lending Under the Community Reinvestment Act
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The literature on the CRA’s impact on small business lending is much smaller than the literature on the law’s impacts on mortgage lending. Zinman (2002) was the first paper, to our knowledge, that examined the (causal) effects of the CRA on small business lending. Using a framework that
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[PDF File]The State of Digital Lending
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new non-bank offerings have expanded to include student loans, mortgages, commercial real-estate loans and small to medium-sized enterprise (SME) loans. At the same time, the flood of non-bank lending companies has fragmented the lending market, resulting in specialized, agile solutions
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[PDF File]BANKING TRENDS
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recent surveys conducted by Fannie Mae and the Fed, small bankers report higher lending costs and lower approval rates because of the new qualified mortgage requirement.7 We can estimate the fraction of small bank portfolios affected by the qualified mortgage rule by examining the share of mortgages that would not have qualified for legal
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[PDF File]Mortgage Lending Rules
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regulations are sweeping and affect every aspect of mortgage lending, including modified 1 The American Bankers Association is the voice of the nation’s $17 trillion banking industry, which is composed of small, regional, and large banks that together employ more than 2 million people, safeguard $13 trillion in deposits, and extend more
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[PDF File]US Regulation of Bank Lending er.com
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US Regulation of Bank Lending August 2015 arnoldporter.com. 1 ... small business lending, and residential mortgage lending) and on certain structural aspects of lending 2 12 U.S.C. §§ 1811 et seq. The Federal Deposit Insurance Corporation’s Risk Management Manual of
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Small bank mortgage lending