Document Type
Thesis - Open Access
Award Date
2017
Degree Name
Master of Science (MS)
Department / School
Economics
First Advisor
Joseph M. Santos
Keywords
banking regulations
Abstract
In this paper, I study the effects on community banks of seven final rules associated with the Dodd-Frank Act. I use quarterly data on US bank holding companies from 1991 through 2016 to test working hypotheses that several bank performance measures—including pretax returns on assets, loans per employee, changes in the number of employees, and salaries to assets—responded to the passage of these seven final rules in ways that reflected regulatory burdens that these rules imposed on banks. I find that these seven final rules affected banks differently according to their scale. Taken together, my results imply that these seven final rules mostly burdened community banks with $10 billion or less in total assets; put differently, these rules imposed relatively little regulatory burden on large banks with greater than $10 billion in total assets.
Library of Congress Subject Headings
United States. Dodd-Frank Wall Street Reform and Consumer Protection Act.
Community banks -- Government policy -- United States.
Small business -- United States -- Finance.
Description
Includes bibliographical references (pages 57-60)
Format
application/pdf
Number of Pages
73
Publisher
South Dakota State University
Recommended Citation
Le, Hoanh, "The Effects of the Dodd-Frank Act on Community Banks" (2017). Electronic Theses and Dissertations. 1709.
https://openprairie.sdstate.edu/etd/1709
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Rights Statement
