Bank Regulation and Monetary Policy Transmission: Evidence from the U.S. States Liberalization

Bank Regulation and Monetary Policy Transmission: Evidence from the U.S. States Liberalization

Replication files for "Bank Regulation and Monetary Policy Transmission: Evidence from the U.S. States Liberalization" by Lakdawala, Minetti, and Schaffer. Abstract: This paper studies the impact of geographic banking restrictions on monetary policy transmission. Exploiting the staggered d...

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Hauptverfasser: Lakdawala, Aeimit, Minetti, Raoul, Schaffer, Matthew
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Bank Regulation, Bank Lending Channel, Monetary Policy
Social Sciences
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creator Lakdawala, Aeimit
Minetti, Raoul
Schaffer, Matthew
description Replication files for "Bank Regulation and Monetary Policy Transmission: Evidence from the U.S. States Liberalization" by Lakdawala, Minetti, and Schaffer. Abstract: This paper studies the impact of geographic banking restrictions on monetary policy transmission. Exploiting the staggered deregulation of U.S. banking from the late 1970s to the early 1990s, we find that interstate deregulation significantly increased the responsiveness of bank lending to monetary shocks. This effect occurred primarily for small and illiquid banks, pointing to a strengthening of the bank lending channel. Changes in bank market structure and loan portfolio composition are unlikely to explain the effect of deregulation. This instead reflects a reduced propensity of small banks affiliated with complex holding companies to insulate borrowers from monetary contractions.
doi_str_mv 10.7910/dvn/zx7uga
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Abstract: This paper studies the impact of geographic banking restrictions on monetary policy transmission. Exploiting the staggered deregulation of U.S. banking from the late 1970s to the early 1990s, we find that interstate deregulation significantly increased the responsiveness of bank lending to monetary shocks. This effect occurred primarily for small and illiquid banks, pointing to a strengthening of the bank lending channel. Changes in bank market structure and loan portfolio composition are unlikely to explain the effect of deregulation. This instead reflects a reduced propensity of small banks affiliated with complex holding companies to insulate borrowers from monetary contractions.</abstract><pub>Harvard Dataverse</pub><doi>10.7910/dvn/zx7uga</doi><oa>free_for_read</oa></addata></record>
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identifier DOI: 10.7910/dvn/zx7uga
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subjects Bank Regulation, Bank Lending Channel, Monetary Policy
Social Sciences
title Bank Regulation and Monetary Policy Transmission: Evidence from the U.S. States Liberalization
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