Social and Behavioral Sciences Commons^™

The Effects Of The Dodd-Frank Act On Community Banks, Hoanh Le

Electronic Theses and Dissertations

In this paper, I study the effects on community banks of seven final rules associated with the Dodd-Frank Act. I use quarterly data on US bank holding companies from 1991 through 2016 to test working hypotheses that several bank performance measures—including pretax returns on assets, loans per employee, changes in the number of employees, and salaries to assets—responded to the passage of these seven final rules in ways that reflected regulatory burdens that these rules imposed on banks. I find that these seven final rules affected banks differently according to their scale. Taken together, my results imply that these seven …