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The study examines the effects of banking consolidation on households, specifically in the mortgage market, using data from 44 million loans across 5,000 bank mergers. It finds no significant changes in mortgage rates, approval rates, or delinquency rates post-merger, indicating that local mortgage markets remain competitive despite consolidation. The research challenges the notion that bank mergers harm household borrowers by increasing market power, revealing instead that large banks often target communit

Author

anhle.526102140513

Language

EN