Community Banks and Credit Unions: Effect of Regulations and Compliance Burdens


Richard L. Mizelle (Editor)

Series: Banks and Banking Developments
BISAC: BUS004000

Community banks—generally small and locally focused institutions—are important sources of credit to small businesses. Since the 2007–2009 financial crisis, regulators have made significant changes to the regulatory environment. Chapter 1 examines the data regulators use to measure small business lending, as well as the extent of any regulatory effects on the amount of community banks’ small business lending and their lending processes, changes in bank populations, and financial performance.

Chapter 2 examines (1) the regulations community banks and credit unions viewed as most burdensome and why, and (2) efforts by depository institution regulators to reduce any regulatory burden. GAO analyzed regulations and interviewed more than 60 community banks and credit unions (selected based on asset size and financial activities), regulators, and industry associations and consumer groups.
(Imprint: SNOVA)

Table of Contents

Table of Contents


Chapter 1. Community Banks: Effect of Regulations on Small Business Lending and Institutions Appears Modest, but Lending Data Could Be Improved

Chapter 2. Community Banks and Credit Unions: Regulators Could Take Additional Steps to Address Compliance Burdens


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