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Bank Capital Regulation By Enforcement: An Empirical Study, Julie A. Hill
Bank Capital Regulation By Enforcement: An Empirical Study, Julie A. Hill
Indiana Law Journal
Improving commercial bank capital requirements has been a top priority on the regulatory agenda since the beginning of the 2008 financial crisis. Unfortunately, some of the information necessary to make informed decisions about capital regulation has been missing. Existing regulations establish numerical capital requirements. Regulators, however, have significant discretion to set higher capital requirements for individual banks. In considering necessary reforms, regulators often focus on specific numerical requirements but sometimes ignore enforcement efforts. Without clear information about capital enforcement, it is impossible to make informed judgments about the current capital regulation system.
This Article provides a more complete picture of …