The Cost of Financial Regulation in The United States of America: A Study of Operational Impact on Banks
The banking system in the United States of American is a critical element of world economy. History has shown that if U.S. banks were left to their own devices the result would be turmoil in the global marketplace. Politicians, businesses, consumers and society as a whole agree that some system o...
| Main Author: | |
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| Format: | Dissertation (University of Nottingham only) |
| Published: |
2013
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| Online Access: | https://eprints.nottingham.ac.uk/27812/ |
| _version_ | 1848793446175735808 |
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| author | Ngo, Kevin Stefan |
| author_facet | Ngo, Kevin Stefan |
| author_sort | Ngo, Kevin Stefan |
| building | Nottingham Research Data Repository |
| collection | Online Access |
| description | The banking system in the United States of American is a critical element of world economy.
History has shown that if U.S. banks were left to their own devices the result would be
turmoil in the global marketplace. Politicians, businesses, consumers and society as a whole
agree that some system of checks and balances in the form of regulation is required to
subdue a bank’s profit maximize motivates. This paper examines the relationship between
the cost of regulatory compliance and a bank’s operating functions by providing empirical
evidence through both traditional and non‐traditional approaches. Each approach gathers
data from publically available 10‐K Annual disclosures and regulatory financial reports to
determine if and how a bank holding company’s operating functions are affected by
regulatory shocks in the form of Dodd–Frank Wall Street Reform and Consumer Protection
Act rulings and to a lesser extent the Basel Accords. The study focuses primarily on the
periods between 2007 to 2012, which coincide with the period leading up to the 2008
Global Financial Crisis and the subsequent actions by the U.S. government to prevent future
crises through the passing of Dodd‐Frank into law on July 12th, 2010. |
| first_indexed | 2025-11-14T19:00:25Z |
| format | Dissertation (University of Nottingham only) |
| id | nottingham-27812 |
| institution | University of Nottingham Malaysia Campus |
| institution_category | Local University |
| last_indexed | 2025-11-14T19:00:25Z |
| publishDate | 2013 |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | nottingham-278122014-12-26T08:01:39Z https://eprints.nottingham.ac.uk/27812/ The Cost of Financial Regulation in The United States of America: A Study of Operational Impact on Banks Ngo, Kevin Stefan The banking system in the United States of American is a critical element of world economy. History has shown that if U.S. banks were left to their own devices the result would be turmoil in the global marketplace. Politicians, businesses, consumers and society as a whole agree that some system of checks and balances in the form of regulation is required to subdue a bank’s profit maximize motivates. This paper examines the relationship between the cost of regulatory compliance and a bank’s operating functions by providing empirical evidence through both traditional and non‐traditional approaches. Each approach gathers data from publically available 10‐K Annual disclosures and regulatory financial reports to determine if and how a bank holding company’s operating functions are affected by regulatory shocks in the form of Dodd–Frank Wall Street Reform and Consumer Protection Act rulings and to a lesser extent the Basel Accords. The study focuses primarily on the periods between 2007 to 2012, which coincide with the period leading up to the 2008 Global Financial Crisis and the subsequent actions by the U.S. government to prevent future crises through the passing of Dodd‐Frank into law on July 12th, 2010. 2013 Dissertation (University of Nottingham only) NonPeerReviewed Ngo, Kevin Stefan (2013) The Cost of Financial Regulation in The United States of America: A Study of Operational Impact on Banks. [Dissertation (University of Nottingham only)] |
| spellingShingle | Ngo, Kevin Stefan The Cost of Financial Regulation in The United States of America: A Study of Operational Impact on Banks |
| title | The Cost of Financial Regulation in The
United States of America:
A Study of Operational Impact on Banks |
| title_full | The Cost of Financial Regulation in The
United States of America:
A Study of Operational Impact on Banks |
| title_fullStr | The Cost of Financial Regulation in The
United States of America:
A Study of Operational Impact on Banks |
| title_full_unstemmed | The Cost of Financial Regulation in The
United States of America:
A Study of Operational Impact on Banks |
| title_short | The Cost of Financial Regulation in The
United States of America:
A Study of Operational Impact on Banks |
| title_sort | cost of financial regulation in the
united states of america:
a study of operational impact on banks |
| url | https://eprints.nottingham.ac.uk/27812/ |