2024 Research Papers Selected

The Federal Reserve System, the Conference of State Bank Supervisors (CSBS), and the Federal Deposit Insurance Corp. (FDIC) are pleased to announce the papers that have been selected for presentation at the twelfth annual Community Banking Research Conference, which will be held in person Oct. 2-3, 2024. The invitation-only in person conference will be held at the Federal Reserve bank of St. Louis, with a livestream option that will be open to all. 

 

The conference brings together academics, community bankers, regulators and policymakers to focus on the latest academic research on community banking and the important policy issues that affect community banks.

This year's selected papers, sectioned by topic area, and their respective authors are:

Community Banks and the Local Economy

Unexpected Gains: How Fewer Community Banks Boost Local Investment and Economic Development| Rohan Williamson, Georgetown University; Bernadette Minton, Ohio State University; Alvaro Taboada, Mississippi State University

Canary in the Coal Mine: Bank Liquidity Shortages and Local Economic Activity | Rajkamal Iyer, Imperial College; Shohini Kundu, University of California- Los Angeles; Nikos Paltalidis, Durham University

Relationship Lending: That Ship Has Not Sailed for Community Banks | Dmytro Holod, Stony Brook University; Joe Peek, Federal Reserve Bank of Boston; Gökhan Torna, Stony Brook University

Deposit Stability

Variable Deposit Betas and Bank Interest Rate Risk Exposure | Mustafa Emin, Tulane University; Christopher James, University of Florida; Tao Li, University of Florida

The Economics of Market-Based Deposit Insurance | Edward Kim, University of Michigan; Shohini Kundu, University of California-Los Angeles; Amiyatosh Purnanandam, University of Michigan

Depositor Characteristics and Deposit Stability | Rajesh Narayanan, Louisiana State University; Dimuthu Ratnadiwakara, Louisiana State University

Consumer Protection

Do Financial Consumers Discipline Bad Lenders? The Role of Disclosure Awareness | Mark Flannery, University of Florida; K. Phillip Wang, University of Florida; Cathy Zhang, University of Florida

Regulatory Disclosure and Access to Credit | Jeffrey Jou, The Wharton School; Anya Kleymenova, Federal Reserve Board of Governors; Andrea Passalacqua, Analysis Group Inc.; Laszlo Sandor, Consumer Financial Protection Bureau; Rajesh Vijayaraghavan, University of British Columbia

Branching Out Inequality: The Impact of Credit Equality Policies | Jacelly Cespedes, University of Minnesota; Erica Xuewei Jiang, University of Southern California; Carlos Parra, Pontificia Universidad Católica-Chile; Jinyuan Zhang, University of California-Los Angeles

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 Poster Session

Credit Union Expansion and Bifurcation in Local Bank Lending | Jiakai Chen, University of Hawaii; Teng Wang, Federal Reserve Board of Governors; Tim Zhang, University of Texas San Antonio

Banking on Deposit Relationships: Implications for Hold-Up Problems in the Loan Market | Jin Cao, Norges Bank; Emilia Garcia-Appendini, Norges Bank; Cédric Huylebroek, KU Leuven