The Unintended Consequences of Regulatory, Federal Reserve, and Fiscal Policies: Part 1

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Have Commercial Banks Been Short Shrifted in the Aftermath of the Financial Crisis?

The vast new regulatory regime combined with mulitfaceted, persistent economic issues has created unintended consequences for both the banking industry and the general public. In this paper, the authors uncover several instances where policies have had unforeseen and undesirable effects. They argue that all too often inappropriate data is analyzed, which together with a lack of distinction between causality and correlation results in both serious policy errors and mixed signals communicated by policymakers and politicians. Consequently, the government continues to execute ineffective policies rather than focusing attention on the fundamental problems underlying the banking and housing industries and the broader economy. 

‚ÄčDownload this white paper to find out:

  • How pre-crisis policies contributed to the bust.
  • What the missing link is in the financial crisis analysis.
  • Why we should separate the symptoms from the cause.
  • How home ownership and inflation-adjusted family income contributed to the crisis.
  • Can it happen again?


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Elements of this paper were presented at a session sponsored by IBISWorld at RMA’s Annual Risk Management Conference in October 2014 in Washington, D.C.