Date of Award

Spring 5-2020

Degree Type


Degree Name


Degree Program

Financial Economics


Economics and Finance

Major Professor

Dr. M. Kabir Hassan


In this paper, I examine data from 2000 to 2019 to assess the impact of banks’ regulations on the U.S. financial institutions’ performance. The first essay examines the impact of the Dodd-Frank Act on the U.S. banking industry. The findings show that the Dodd-Frank Act has a negative impact on banks’ profits, efficiency, solvency and cost of intermediation, the effect is stronger for smaller banks. The act shrinks the advantage of banks that are members of bank holding company compared to standalone banks. Capital requirements are associated with higher profitability, efficiency, and cost of intermediation, while assets liquidity ratio has a negative impact. The second essay examines the impact of abolishing the Office of Thrift Supervision (OTS) on the U.S. savings and loan industry. Under Title III of the Dodd-Frank Act, the OTS is abolished and its responsibilities reassigned to OCC, FDIC, and Fed. Some critics view the Dodd-Frank Act is disproportionately affecting thrifts by keeping the restriction on thrifts’ portfolio structure (QTL test), while the act shrinks some of thrifts’ advantages over commercial banks. My findings show that on average thrifts are less profitable, efficient, and solvent than commercial banks. However, the performance difference between thrifts and commercial banks shrank under the Dodd-Frank Act compared to the period before the act. Nevertheless, after the OTS was abolished, thrifts endured higher cost of compliance.


The University of New Orleans and its agents retain the non-exclusive license to archive and make accessible this dissertation or thesis in whole or in part in all forms of media, now or hereafter known. The author retains all other ownership rights to the copyright of the thesis or dissertation.

Available for download on Thursday, May 22, 2025