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- Title
Regulators Confront Weakening Lending Standards.
- Authors
Tarbert, Heath P.; Bachrach, Joshua A.
- Abstract
Banks now face immense challenges to increase their returns on equity in an environment where low interest rates continue to stifle earnings growth while, at the same time, banks must maintain equity capital at levels higher than ever before. When compounded with a low-growth economic environment more generally, these factors require banks to find new borrowers as well as new lending products that will yield higher returns. Realistically, that can only be achieved with a greater appetite for risk on the part of banks. The authors of this article explore the regulatory response and ponder whether after Dodd-Frank anything has changed in the fundamental role of banks as lenders and banking agencies as prudential regulators of basic banking activities.
- Subjects
UNITED States; LOAN laws; INTEREST rates; DODD-Frank Wall Street Reform &; Consumer Protection Act; BANKING laws; BANKING industry; GOVERNMENT regulation; GOVERNMENT policy
- Publication
Banking Law Journal, 2014, Vol 131, Issue 9, p767
- ISSN
0005-5506
- Publication type
Article