Economics, Econometrics and Finance
4 years ago

Basel II Regulations Could Put U.S. Bank Credit Card Lending at Risk

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SSRN Electronic Journal
Competitive Effects of Basel II on U.S. Bank Credit Card Lending
William W. Lang, Loretta J. Mester, Todd A. Vermilyea

Paper Summary

The Basel II capital regulations could put U.S. bank credit card lenders at a disadvantage compared to Basel I banks and nonbank issuers during times of economic stress. This is because Basel II banks will have to hold more capital reserves, making it harder for them to compete.

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