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Showing results 1 to 8 of approximately 8.

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Author:Padhi, Michael 

Journal Article
Evaluating credit union competition in bank merger applications

Financial Update , Volume 11 , Issue Oct , Pages 1-3

Journal Article
Bank capital exposure to government-sponsored-enterprise debt

Financial Update , Volume 14 , Issue Jul , Pages 1-3

Journal Article
Is commercial banking a distinct line of commerce?

In analyzing the competitive impacts of bank consolidations, banking agencies and the U.S. Department of Justice tend to rely on the assumption that the market for bank services is local and is for services offered only by banks. This approach allows analysts to merge all products and services into a "cluster of services" for analysis of competition. Increases in types and locations of competitors have cast doubt on whether a cluster of services exists, however. ; These changes have induced the U.S. Department of Justice to do separate analyses of small business lending when analyzing ...
Economic Review , Volume 85 , Issue Q4 , Pages 39-58

Journal Article
Small business lending in low- and Moderate-income areas: The effects of credit scoring

Communities and Banking , Issue Fall , Pages 18-19

Journal Article
Banks selling insurance: Risky business?

Financial Update , Volume 12 , Issue Oct , Pages 1-3

Conference Paper
Credit scoring and small business lending in low- and moderate-income communities

Proceedings , Paper 783

Journal Article
Southeast experiences high growth in de novo banks

Financial Update , Volume 11 , Issue Apr , Pages 4-5

Working Paper
The effect of credit scoring on small business lending in low- and moderate-income areas

This paper empirically examines the effect of the use of credit scoring by large banking organizations on small business lending in low- and moderate-income (LMI) areas. Using census tract level data for the southeastern United States, the authors estimate that credit scoring increases small business lending by $16.4 million per LMI area served. Furthermore, this effect is almost 2.5 times larger than that estimated for higher income census tracts ($6.8 million). The authors also find that credit scoring increases the probability that a large banking organization will make small business ...
FRB Atlanta Working Paper , Paper 2001-6