The Impact of the Dodd-Frank Act on Small Banks

Tahsen Alqatawni

MPRA Paper from University Library of Munich, Germany

Abstract: The Dodd-Frank Act is single longest bill ever passed by the U.S… The Dodd-Frank Act passed in reply to the latest financial meltdown, which applies to prevent further fraud and abuse in the markets, also geared toward protecting consumers with regulations like keeping borrowers from abusive lending conditions and mortgage practices by lenders. Dodd-Frank regulatory requirements set too many restrictions on local lenders and appraisers and that the Act created for large banks "too-big-to-fail”. However, the small banks, which do not fit neatly into standardized financial modeling, will face unintended consequences, as increased operations costs, which lead to reduced income and limited potential growth. The Act created enormous difficulties on small banks, which has little to do with the financial crisis.

Keywords: Dodd-Frank Act; Law and Compliance; financial regulation (search for similar items in EconPapers)
JEL-codes: G00 G33 G38 K2 K22 K23 K40 (search for similar items in EconPapers)
Date: 2013-10-30
New Economics Papers: this item is included in nep-ban, nep-cba and nep-law
References: View references in EconPapers View complete reference list from CitEc
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Published in Social Science Research Network 2347812.10(2013): pp. 1-10

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Persistent link: https://EconPapers.repec.org/RePEc:pra:mprapa:51109

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