US regulatory sanctions lead to banks cutting credit costs – Finnish paper

Inside the Federal Deposit Insurance Corporation, in Washington, DC

US banks cut the cost of their loans after regulatory authorities sanction them for breaching the rules, a working paper, published by the Bank of Finland, finds.

In Enforcement of banking regulation and the cost of borrowing, Yota Deli, Manthos Delis, Iftekhar Hasan and Liuling Liu look at regulatory actions from 2001 to 2010.

They examine the actions taken by the three main US banking regulatory authorities: the Federal Reserve, the Federal Deposit Insurance Corporation and the Office of the

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