The National Impact
The current regulatory and supervisory requirements have led to the following declines compared to before Dodd-Frank’s implementation:
-9.8%
-9.8%
Decline

in growth rate for total regional bank loans

-13.3%
-13.3%
Less

loans up to $100K

-18.4%
-18.4%
Less

loans between $100 – $250K

-13.7%
-13.7%
Less

loans between $250K – $1 Million

Data based on a study by:
Allen N. Berger

H. Montague Osteen, Jr., Professor in Banking and Finance and Carolina Distinguished Professor; Moore School of Business at the University of South Carolina; Fellow at the Wharton Financial Institutions Center; Fellow at the European Banking Center

Christa H.S. Bouwman

Associate Professor of Finance and Patricia & Bookman Peters Professor of Finance; Mays Business School at Texas A&M University; Fellow at the Wharton Financial Institutions Center

Shane A. Johnson

Leland Memorial Chair in Finance; Mays Business School at Texas A&M University