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2018

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Articles 1741 - 1742 of 1742

Full-Text Articles in Economics

The Role Of Automatic Mood On Risk Appetite, Makail Johannesson Jan 2018

The Role Of Automatic Mood On Risk Appetite, Makail Johannesson

Honors Theses

Numerous studies over the past few decades have indicated links between subtle psychological influences and decision-making. It is often thought that individuals make conscious choices based on their preferences regardless of whether those preferences are optimal or not. However, it has been shown that most of our behaviors, judgements, and decisions are often a product of unconscious influences. These influences are significant in both simple and complex life situations, including the realm of financial decision making. In this experiment, participants primed with positive evaluative stimuli reported a more positive mood while those primed with negative evaluative stimuli reported a more …

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The Dodd-Frank Act And Its Impact On Community Bank Mortgage Lending, Margaret Schorgl Jan 2018

The Dodd-Frank Act And Its Impact On Community Bank Mortgage Lending, Margaret Schorgl

Honors Theses

I investigate the impacts of additional regulatory burdens on community bank mortgage lending due to the Dodd-Frank Act. The Dodd-Frank Act, which was signed into federal law by President Barack Obama on July 21, 2010, was intended to protect consumers, promote financial stability, and reduce the risk associated with larger banks being too-big-to-fail. However, one criticism of the Act is that the increased regulations and compliance costs under the Act have made it increasingly difficult for smaller banks to survive. As a result, an unintended consequence of the Dodd-Frank Act is that smaller banks may issue fewer loans than they …

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