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The FDIC Should Restore the OSA or, at Minimum, Solicit Public Views before Regressing to the SARC
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The FDIC Should Restore the OSA or, at Minimum, Solicit Public Views before Regressing to the SARC
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Comment on the OCC’s Fair Access to Financial Services Proposal
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Testimony before the US Committee on Financial Services, Task Force on Financial Technology
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Carolyn Sissoko on the Collateral Supply Effect and Other Concerns in the Money Market
The collateral supply channel has become very important part of the monetary policy transmission mechanism, and it deserves much heavier analysis.

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Revitalizing Small Businesses in Post-Pandemic America
Small banks can have a big impact if they can lend without fear of government penalties

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Revitalizing Small Businesses in Post-Pandemic America
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On Regulation and Excess Reserves: The Case of Basel III
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Banks’ Risks During the Pandemic Aren’t Clear
Latest work in Bank Regulations
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The Myths That Fuel the Megabanks | Hypertext
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More Questions (And Document Requests) For Regulators in the Wake of SVB and Signature | FinRegRag
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
The FDIC Should Restore the OSA or, at Minimum, Solicit Public Views before Regressing to the SARC
Guidelines for Appeals of Material Supervisory Determinations
- | Expert Commentary Expert Commentary
The Unchecked Power of Federal Bank Regulators | The Hill
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The FDIC Should Restore the OSA or, at Minimum, Solicit Public Views before Regressing to the SARC
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Bank Instability Concerns Asset Risk and Leverage Rather Than Size
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Will There Ever Be a Basel V? | The Bankshot Podcast
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Did Basel III Regulations Dampen Lending at Large Banks?
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Comment on the OCC’s Fair Access to Financial Services Proposal
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Testimony before the US Committee on Financial Services, Task Force on Financial Technology
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Carolyn Sissoko on the Collateral Supply Effect and Other Concerns in the Money Market
The collateral supply channel has become very important part of the monetary policy transmission mechanism, and it deserves much heavier analysis.

- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Revitalizing Small Businesses in Post-Pandemic America
Small banks can have a big impact if they can lend without fear of government penalties

- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Revitalizing Small Businesses in Post-Pandemic America
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On Regulation and Excess Reserves: The Case of Basel III
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Banks’ Risks During the Pandemic Aren’t Clear
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On Regulation and Excess Reserves: The Case of Basel III
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Why Government Shouldn’t Regulate Reputation Risk at Banks
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Private Policies and Public Power
When Banks Act as Regulators within a Regime of Privilege
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Money Demand and Seignorage Maximization before the End of the Zimbabwean Dollar
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Yes, the Benefits of a Higher Leverage Ratio Can Exceed the Costs
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Benefits and Costs of a Higher Bank Leverage Ratio
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Did Deregulation Cause the Financial Crisis?
An Update Using RegData 3.0
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Dodd-Frank Is One of the Biggest Regulatory Events Ever
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The Recourse Rule, Regulatory Arbitrage, and the Financial Crisis

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A Primer on the Evolution and Complexity of Bank Regulatory Capital Standards
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Reframing Financial Regulation
Enhancing Stability and Protecting Consumers

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The Myth of Central Bank Independence
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No Need for Title VI with Simpler, Higher Capital
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Dodd-Frank and the Federal Reserve’s Regulations

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Alternatives to the Federal Deposit Insurance Corporation

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The Consumer Financial Protection Bureau’s Arbitration Study
A Summary and Critique
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After the Crisis: Revisiting the “Banks Are Special” and “Safety Net” Doctrines
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Small Banks by the Numbers, 2000–2014

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Payday Lending, Bank Overdraft Protection, and Fair Competition at the Consumer Financial Protection Bureau

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- | Monetary Policy Monetary Policy
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Carolyn Sissoko on the Collateral Supply Effect and Other Concerns in the Money Market
The collateral supply channel has become very important part of the monetary policy transmission mechanism, and it deserves much heavier analysis.

- | Monetary Policy Monetary Policy
- | Mercatus Original Podcasts Mercatus Original Podcasts
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Thomas Hoenig on Bank Capitalization and Fed Policy after COVID-19
As the economy recovers from the fallout of COVID-19, policymakers should consider committing to a long-term, systematic deleveraging of the banking sector.

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Dodd-Frank Reform: 'Crapo Bill' and Beyond
The future of financial regulator policy now lies with the agencies. So what should be on the agenda?

Latest work in Bank Regulations
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The FDIC Should Restore the OSA or, at Minimum, Solicit Public Views before Regressing to the SARC
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- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
The FDIC Should Restore the OSA or, at Minimum, Solicit Public Views before Regressing to the SARC
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Bank Instability Concerns Asset Risk and Leverage Rather Than Size
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- | Public Interest Comments Public Interest Comments
Comment on the OCC’s Fair Access to Financial Services Proposal
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Fintech Regulation Needs to Keep Pace With Economic and Technological Evolution
Testimony before the US Committee on Financial Services, Task Force on Financial Technology
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Comment for the Comptroller of the Currency’s Proposed Rule regarding Permissible Interest on Loans That Are Sold, Assigned, or Otherwise Transferred
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Harmonizing Private Securities Offering Exemptions
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Comment in Response to Proposed Rule on Payday, Vehicle-Title, and Certain High-Cost Installment Loans
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Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996
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Reforming Bank Examination Procedures and CFPB Authority
Testimony before the House Financial Services Committee Subcommittee on Financial Institutions and Consumer Credit
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Ending Too-Big-to-Fail May Require More Than the Minneapolis Fed Too-Big-to-Fail Plan
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Comment on the Proposed Rule Regarding Receiverships for Uninsured National Banks
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FDIC Guidance for Third-Party Lending
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TLAC: Off to a Good Start but Still Lacking
Before the Federal Reserve System
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Examining Legislative Proposals to Preserve Consumer Choice and Financial Independence
Testimony before the House Committee on Financial Services
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Ending the Federal Reserve System’s Overreach into Credit Allocation
Testimony Before the Subcommittee on Monetary Policy and Trade House Committee on Financial Services
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Rethinking the Federal Reserve's Many Mandates on its 100-Year Anniversary
Testimony Before the House Committee on Financial Services
Latest work in Bank Regulations
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
The Myths That Fuel the Megabanks | Hypertext
- | Financial Markets Financial Markets
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- | Expert Commentary Expert Commentary
The Unchecked Power of Federal Bank Regulators | The Hill
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- | Announcements Announcements
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- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Revitalizing Small Businesses in Post-Pandemic America
Small banks can have a big impact if they can lend without fear of government penalties

- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Revitalizing Small Businesses in Post-Pandemic America
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- | Expert Commentary Expert Commentary
Banks’ Risks During the Pandemic Aren’t Clear
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Bank Risk System From 2008 Has Problems
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Why Would Elizabeth Warren Want More Banks?
Her reform aims to avoid ‘too big to fail’ but would produce many institutions ‘too small to survive.’
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Sanders-Ocasio-Cortez Plan to Cap Credit Card Interest Rates will Backfire on Consumers
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The Recent Decline in the Number of Banks
A Series on Bank Size and Concentration

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Historical Perspectives on the Number of Banks
A Series on Bank Size and Concentration

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Righting a Flawed Payday Loans Rule

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On the Rising Regulatory Burden of Basel-Style Bank Capital Requirements
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Did the Gramm-Leach-Bliley Act Deregulate?

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Did the Gramm-Leach-Bliley Act Deregulate?
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