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Author:Lang, William W. 

Working Paper
Potential competitive effects on U.S. bank credit card lending from the proposed bifurcated application of Basel II

This paper analyzes the potential competitive effects of the proposed bifurcated application of Basel II capital regulations in the United States on bank credit card lending activities. For this purpose, the authors consider the Basel II regulations as stated in the June 2004 Basel Committee Framework Agreement. ; Also issued as Payment Cards Center Discussion Paper No. 05-21 ; Superseded by Working Paper 07-09
Working Papers , Paper 05-29

Working Paper
The dynamics of credit markets in a model with learning

Working Papers , Paper 89-23

Conference Paper
Could publication of bank CAMEL ratings improve market discipline?

Proceedings , Paper 600

Working Paper
Housing appraisals and redlining

Working Papers , Paper 91-3

Conference Paper
Safety in numbers? Geographic diversification and bank insolvency risk

Proceedings , Paper 504

Journal Article
Is there a natural rate of unemployment?

Business Review , Issue Mar , Pages 13-22

Working Paper
Foreclosure delay and consumer credit performance

Supersedes Working Paper 14-8. The deep housing market recession from 2008 through 2010 was characterized by a steep rise in the number of foreclosures and lengthening foreclosure timelines. The average length of time from the onset of delinquency through the end of the foreclosure process also expanded significantly, averaging up to three years in some states. Most individuals undergoing foreclosure were experiencing serious financial stress. However, the extended foreclosure timelines enabled mortgage defaulters to live in their homes without making mortgage payments until the end of the ...
Working Papers , Paper 15-24

Conference Paper
Measuring the efficiency of capital allocation in commercial banking

Proceedings , Paper 626

Working Paper
Safety in numbers? Geographic diversification and bank insolvency risk

The Riegle-Neal Interstate Banking and Branching Efficiency Act, passed in September 1994 and effective June 1, 1997, will allow nationally chartered banks to branch across state lines. This act will remove impediments to interstate expansion and permit the consolidation of existing interstate networks ; What will be the impact of this legislation on bank performance and bank safety? Removing impediments to geographic expansion should improve the risk-return tradeoff faced by most banks. However, this paper argues that economic theory does not tell us whether an improvement in the risk-return ...
Working Papers , Paper 96-14

Working Paper
Measuring the efficiency of capital allocation in commercial banking

Commercial banks leverage their equity capital with demandable debt that participates in the economy's payments system. The distinctive nature of this debt generates an unusual degree of liquidity risk that can, at times, threaten the payments system. To reduce this threat, insurance protects deposits; and to reduce the moral hazard problems of the debt contract and deposit insurance, bank regulation constrains risk-taking and defines standards of capital adequacy. The inherent liquidity risk of demandable debt as well as potential regulatory penalties for poor financial performance creates ...
Working Papers , Paper 98-2

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