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An Analysis Of Bank Willingness To Decrease Deposit Fees, Madison E. Settlage
An Analysis Of Bank Willingness To Decrease Deposit Fees, Madison E. Settlage
Finance Undergraduate Honors Theses
Bank deposit fees have been at the forefront of bank criticism for years, as many view them as being too severe and having a disproportionate effect on low-income customers. In recent years, there has been a strong push for declines in these rates. In this paper, I analyze banks willingness to decrease deposit fees using data from bank call reports over the 2017 to 2023 time period. Through statistical analysis, I find that various factors such as 2017 deposit fee level, ROA, total assets, average personal deposits, population, median income, and poverty rates are significant in determining bank fee levels …
Altering Overdraft Fee Policies To Promote Consumer Financial Health, Nadia Barbarawi
Altering Overdraft Fee Policies To Promote Consumer Financial Health, Nadia Barbarawi
Finance Undergraduate Honors Theses
The objective of this study is to describe the traditional overdraft practices, explain the reaction of the banking industry from the pressure coming from consumers, regulators, and innovative companies to reduce or eliminate overdraft fees to promote consumer financial health.