Are $10 Billion-to-$50 Billion Banks Overregulated?

Moody’s Analytics tests whether relaxing capital standards for $10 billion-to-$50 billion banks will boost banking and encourage greater lending.

The U.S. Treasury's report outlining objectives and recommendations for bank regulation and capital standards assumes that Dodd-Frank has restricted lending and reduced the pace of economic activity. However, our research indicates that mid-sized banks are thriving in the post-recession economy, while smaller banks are failing under the weight of regulations.

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