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Report
Liquidity Regulations, Bank Lending, and Fire-Sale Risk
Sarkar, Asani; Roberts, Daniel; Shachar, Or (2018-06-01)
We examine whether U.S. banks subject to the Liquidity Coverage Ratio (LCR) reduce lending (an unintended consequence) and/or become more resilient to liquidity shocks, as intended by regulators. We find that LCR banks tighten lending standards, and reduce liquidity creation that occurs mainly through lower lending relative to non-LCR banks. However, covered banks also contribute less to fire-sale externalities relative to exempt banks. For LCR banks, we estimate that the total after-tax benefits of reduced fire-sale risk (net of the costs associated with foregone lending) exceed $50 billion ...
Staff Reports , Paper 852

Discussion Paper
What Do Banks Do with All That \\"Fracking\\" Money?
Plosser, Matthew (2014-12-01)
Banks play a crucial role in the economy by channeling funds from savers to borrowers. The ability of banks to accomplish this intermediation has become an important element in understanding the causes and consequences of business cycles. In a recent staff report, I investigate how a positive deposit windfall translates into investments by banks. This post, the first of two, shows how the development of new energy resources has led to deposit inflows to banks and how that can be used to estimate banks? investment decisions over the recent business cycle. The second post will look at factors ...
Liberty Street Economics , Paper 20141201

What Types of Customer Data Do Fintech Firms Use?
Stackhouse, Julie L. (2020-04-17)
Beyond cash flow and credit scores, technology-driven lenders have also looked at social media activity and phone ownership.
On the Economy

Journal Article
Economic Effects of Tighter Lending by Banks
Curdia, Vasco (2024-05-06)
Banks tightened the criteria used to approve loans over the past year. Analysis shows that their tighter lending standards can be partially explained by economic conditions that reduce demand for loans and increase their potential risk, such as policy rate increases and a slowing economy. The unexplained part may reflect a restrained credit supply, specifically related to banks being less willing or able to take on risk. What are the potential economic consequences? Past credit supply shocks have had significant long-lasting effects on unemployment but less impact on inflation.
FRBSF Economic Letter , Volume 2024 , Issue 11 , Pages 6

Journal Article
Regulations
Community Development, Federal Reserve Bank of Dallas (2003)
The Federal Reserve, HUD and the Federal Trade Commission, among others, implement regulations that address many abusive lending practices.
e-Perspectives , Volume 3 , Issue 2

Journal Article
The Fed's Emergency Lending Evolves: The Fed is using emergency lending powers it invoked during the Great Recession to respond to COVID-19 — but it cast a wider net this time
Sablik, Timothy (2020-07)
Econ Focus , Issue 2/3Q , Pages 14-17

Banking Analytics: The Growing Connection between Bank and Nonbank Sectors
Estenssoro, Amalia; Romanko, Reed (2025-06-30)
U.S. banks have steadily increased lending to nondepository financial institutions, such as mortgage firms and insurers, in recent years. What is the composition of these loans to NDFIs?
On the Economy

Banking Analytics: Commercial Real Estate Loan Growth Slows to 11-Year Low
Beiseitov, Eldar; Baer, Julianne (2025-05-12)
An analysis of call report data shows that quarterly growth in commercial real estate loan volumes at U.S. banks slowed throughout 2024.
On the Economy

Banking Analytics: Understanding the Composition of Bank Loan Portfolios
Romanko, Reed; Estenssoro, Amalia (2025-05-19)
In the fourth quarter of 2024, commercial real estate loans represented a quarter of U.S. banks’ loan portfolios. What other types of loans did these institutions hold?
On the Economy

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