Details about William W. Lang

Access statistics for papers by William W. Lang.

Last updated 2024-05-06. Update your information in the RePEc Author Service.

Short-id: pla1077

Working Papers

2015

1. Foreclosure delay and consumer credit performance
   Working Papers, Federal Reserve Bank of Philadelphia View citations (4)
   Also in Working Papers, Federal Reserve Bank of Philadelphia (2014) View citations (2)
   See also Journal Article Foreclosure Delay and Consumer Credit Performance, Journal of Financial Services Research, Springer (2017) View citations (3) (2017)
2. Insider bank runs: community bank fragility and the financial crisis of 2007
   Working Papers, Federal Reserve Bank of Philadelphia View citations (1)

2014

3. Enhancing prudential standards in financial regulations
   Working Papers, Federal Reserve Bank of Philadelphia
   See also Journal Article Enhancing Prudential Standards in Financial Regulations, Journal of Financial Services Research, Springer (2016) View citations (8) (2016)

2010

4. Strategic default on first and second lien mortgages during the financial crisis
   Working Papers, Federal Reserve Bank of Philadelphia View citations (8)
5. The Mortgage Financial Crises: The Role of Credit Risk Management and Corporate Governance
   Working Papers, University of Pennsylvania, Wharton School, Weiss Center View citations (22)

2007

6. Competitive effects of Basel II on U.S. bank credit card lending
   Working Papers, Federal Reserve Bank of Philadelphia View citations (1)
   See also Journal Article Competitive effects of Basel II on US bank credit card lending, Journal of Financial Intermediation, Elsevier (2008) View citations (3) (2008)

2005

7. Potential competitive effects on U.S. bank credit card lending from the proposed bifurcated application of Basel II
   Working Papers, Federal Reserve Bank of Philadelphia View citations (2)

2004

8. Managerial Incentives and the Efficiency of Capital Structure in U.S. Commercial Banking
   Departmental Working Papers, Rutgers University, Department of Economics View citations (1)

2003

9. Risk Quantification of Retail Credit: Current Practices and Future Challenges
   CEIS Research Paper, Tor Vergata University, CEIS

2002

10. Do Bankers Sacrifice Value to Build Empires? Managerial Incentives, Industry Consolidation and Financial Performance
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations (5)
    Also in Working Papers, Federal Reserve Bank of Philadelphia (2002) View citations (9)
    Departmental Working Papers, Rutgers University, Department of Economics (2001) View citations (1)
    See also Journal Article Do bankers sacrifice value to build empires? Managerial incentives, industry consolidation, and financial performance, Journal of Banking & Finance, Elsevier (2003) View citations (79) (2003)

2001

11. Managerial Incentives and the Efficiency of Capital Structure
    Departmental Working Papers, Rutgers University, Department of Economics View citations (2)
    Also in Proceedings, Federal Reserve Bank of Chicago (2001)
12. Recent trends in bank loan syndications: evidence for 1995-1999
    Proceedings, Federal Reserve Bank of Chicago

2000

13. Recovering Risky Technologies Using The Almost Ideal Demand System: An Application To U.S. Banking
    Departmental Working Papers, Rutgers University, Department of Economics View citations (57)
    Also in Working Papers, Federal Reserve Bank of Philadelphia (2000) View citations (52)
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania (2000) View citations (57)
    Working Papers, Federal Reserve Bank of Philadelphia (1997) View citations (25)
    See also Journal Article Recovering Risky Technologies Using the Almost Ideal Demand System: An Application to U.S. Banking, Journal of Financial Services Research, Springer (2000) View citations (58) (2000)

1999

14. Measuring the efficiency of capital allocation in commercial banking
    Proceedings, Federal Reserve Bank of Chicago View citations (1)
    Also in Working Papers, Federal Reserve Bank of Philadelphia (1998) View citations (9)

1998

15. Could publication of bank CAMEL ratings improve market discipline?
    Proceedings, Federal Reserve Bank of Chicago View citations (5)
16. The Dollars and Sense of Bank Consolidation
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations (7)
    Also in Working Papers, Federal Reserve Bank of Philadelphia (1998) View citations (4)
    See also Journal Article The dollars and sense of bank consolidation, Journal of Banking & Finance, Elsevier (1999) View citations (159) (1999)
17. The informational advantage of specialized monitors: the case of bank examiners
    Working Paper Series, Federal Reserve Bank of Chicago View citations (35)

1997

18. Recovering Technologies That Account for Generalized Managerial Preferences: An Application to Non-Risks-Neutral Banks
    Departmental Working Papers, Rutgers University, Department of Economics
    Also in Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania (1995) View citations (35)
    Working Papers, Federal Reserve Bank of Philadelphia (1995) View citations (38)

1996

19. Efficient banking under interstate branching
    Working Papers, Federal Reserve Bank of Philadelphia View citations (191)
    See also Journal Article Efficient banking under interstate branching, Proceedings, Board of Governors of the Federal Reserve System (U.S.) (1996) View citations (190) (1996)
20. Safety in numbers? Geographic diversification and bank insolvency risk
    Working Papers, Federal Reserve Bank of Philadelphia View citations (28)
    Also in Proceedings, Federal Reserve Bank of Chicago (1996) View citations (9)

1995

21. New directions in information and screening in real estate finance
    Working Papers, Federal Reserve Bank of Philadelphia
22. Recovering banking technologies when managers are not risk-neutral
    Proceedings, Federal Reserve Bank of Chicago View citations (3)

1994

23. Information and screening in real estate finance: an introduction
    Working Papers, Federal Reserve Bank of Philadelphia View citations (2)

1992

24. \"Flight to quality\" in bank lending and economic activity
    Working Papers, Federal Reserve Bank of Philadelphia View citations (6)

1991

25. Housing appraisals and redlining
    Working Papers, Federal Reserve Bank of Philadelphia

1990

26. Optimal bank closure for deposit insurers
    Working Papers, Federal Reserve Bank of Philadelphia

1989

27. An examination of wage behavior in macroeconomic models with long term contracts
    Working Papers, Federal Reserve Bank of Philadelphia
    See also Journal Article An Examination of Wage Behaviour in Macroeconomic Models with Long-Term Contracts, Canadian Journal of Economics, Canadian Economics Association (1991) View citations (1) (1991)
28. Learning in the marketplace: free entry is free riding
    Working Papers, Federal Reserve Bank of Philadelphia
29. The dynamics of credit markets in a model with learning
    Working Papers, Federal Reserve Bank of Philadelphia
    See also Journal Article The dynamics of credit markets in a model with learning, Journal of Monetary Economics, Elsevier (1990) View citations (17) (1990)

1988

30. Information losses in a dynamic model of credit
    Working Papers, Federal Reserve Bank of Philadelphia
    See also Journal Article Information Losses in a Dynamic Model of Credit, Journal of Finance, American Finance Association (1989) View citations (8) (1989)

Journal Articles

2017

1. Foreclosure Delay and Consumer Credit Performance
   Journal of Financial Services Research, 2017, 52, (3), 225-251 View citations (3)
   See also Working Paper Foreclosure delay and consumer credit performance, Working Papers (2015) View citations (4) (2015)

2016

2. Enhancing Prudential Standards in Financial Regulations
   Journal of Financial Services Research, 2016, 49, (2), 133-149 View citations (8)
   See also Working Paper Enhancing prudential standards in financial regulations, Working Papers (2014) (2014)

2010

3. The Mortgage and Financial Crises: The Role of Credit Risk Management and Corporate Governance
   Atlantic Economic Journal, 2010, 38, (3), 295-316 View citations (24)
   Also in Atlantic Economic Journal, 2010, 38, (2), 123-144 (2010) View citations (24)

2008

4. Competitive effects of Basel II on US bank credit card lending
   Journal of Financial Intermediation, 2008, 17, (4), 478-508 View citations (3)
   See also Working Paper Competitive effects of Basel II on U.S. bank credit card lending, Working Papers (2007) View citations (1) (2007)

2007

5. How the Internet affects output and performance at community banks
   Journal of Banking & Finance, 2007, 31, (4), 1033-1060 View citations (88)

2005

6. AGENT BANK BEHAVIOR IN BANK LOAN SYNDICATIONS
   Journal of Financial Research, 2005, 28, (3), 385-402 View citations (66)
7. The Basel II Reform and Retail Credit Markets
   Journal of Financial Services Research, 2005, 28, (1), 5-13 View citations (11)

2003

8. Do bankers sacrifice value to build empires? Managerial incentives, industry consolidation, and financial performance
   Journal of Banking & Finance, 2003, 27, (3), 417-447 View citations (79)
   See also Working Paper Do Bankers Sacrifice Value to Build Empires? Managerial Incentives, Industry Consolidation and Financial Performance, Center for Financial Institutions Working Papers (2002) View citations (5) (2002)
9. Internet Banking
   Journal of Financial Services Research, 2003, 23, (3), 251-251
   Also in Journal of Financial Services Research, 2002, 22, (1), 95-117 (2002) View citations (22)
   Journal of Financial Services Research, 2002, 27, (6), 251-251 (2002) View citations (22)

2002

10. Analysis of proposals for a minimum subordinated debt requirement1
    Journal of Economics and Business, 2002, 54, (1), 115-136 View citations (15)

2001

11. Internet banking in the U.S.: landscape, prospects, industry implications
    Journal of Financial Transformation, 2001, 2, 45-52 View citations (10)
12. The impact on the financial and banking sector from the U.S. perspective
    Atlantic Economic Journal, 2001, 29, (4), 360-363 View citations (1)

2000

13. Recovering Risky Technologies Using the Almost Ideal Demand System: An Application to U.S. Banking
    Journal of Financial Services Research, 2000, 18, (1), 5-27 View citations (58)
    See also Working Paper Recovering Risky Technologies Using The Almost Ideal Demand System: An Application To U.S. Banking, Departmental Working Papers (2000) View citations (57) (2000)

1999

14. The dollars and sense of bank consolidation
    Journal of Banking & Finance, 1999, 23, (2-4), 291-324 View citations (159)
    See also Working Paper The Dollars and Sense of Bank Consolidation, Center for Financial Institutions Working Papers (1998) View citations (7) (1998)

1996

15. Efficient banking under interstate branching
    Proceedings, 1996, 1045-1075 View citations (190)
    See also Working Paper Efficient banking under interstate branching, Working Papers (1996) View citations (191) (1996)
16. Introduction: New Directions in Information and Screening in Real Estate Finance
    The Journal of Real Estate Finance and Economics, 1996, 13, (1), 5-10

1995

17. 'Flight to quality' in banking and economic activity
    Journal of Monetary Economics, 1995, 36, (1), 145-164 View citations (58)

1994

18. Information and screening in real estate finance: an introduction, cosponsored by the Journal of real estate finance and economics and the Federal Reserve Bank of Philadelphia, March 3-4, 1994
    Proceedings, 1994 View citations (1)

1993

19. A Model of Redlining
    Journal of Urban Economics, 1993, 33, (2), 223-234 View citations (71)

1991

20. An Examination of Wage Behaviour in Macroeconomic Models with Long-Term Contracts
    Canadian Journal of Economics, 1991, 24, (4), 859-72 View citations (1)
    See also Working Paper An examination of wage behavior in macroeconomic models with long term contracts, Working Papers (1989) (1989)

1990

21. Is there a natural rate of unemployment?
    Business Review, 1990, (Mar), 13-22
22. The dynamics of credit markets in a model with learning
    Journal of Monetary Economics, 1990, 26, (2), 305-318 View citations (17)
    See also Working Paper The dynamics of credit markets in a model with learning, Working Papers (1989) (1989)

1989

23. Information Losses in a Dynamic Model of Credit
    Journal of Finance, 1989, 44, (3), 731-746 View citations (8)
    See also Working Paper Information losses in a dynamic model of credit, Working Papers (1988) (1988)