João A.C. Santos |
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Director of Financial Intermediation Policy Research |
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Flood Risk Outside Flood Zones: A Look at Mortgage Lending in Risky Areas Flood Risk and Firm Location Decisions in the Fed’s Second District How Do Banks Lend in Inaccurate Flood Zones in the Fed’s Second District? Potential Flood Map Inaccuracies in the Fed’s Second District How Exposed Are U.S. Banks' Loan Portfolios to Climate Transition Risks? Moving Out of a Flood Zone? That May Be Risky! The Adverse Effect of “Mandatory” Flood Insurance on Access to Credit Insurance Companies and the Growth of Corporate Loans’ Securitization The Costs of Corporate Debt Overhang Following the COVID-19 Outbreak The Impact of Natural Disasters on the Corporate Loan Market Outflows from Bank-Loan Funds during COVID-19 The Side Effects of Shadow Banking on Liquidity Provision Why Do Banks Target ROE? The Cost of Regulatory Capital The Effects of Post-Crisis Banking Reforms At the New York Fed: Conference on the Effects of Post-Crisis Banking Reforms Did the Dodd-Frank Act End ‘Too Big to Fail’? Investor Diversity and Liquidity in the Secondary Loan Market Are All CLOs Equal? Did the Supervisory Guidance on Leveraged Lending Work? Investigating the Trading Activity of CLO Portfolio Managers What Do Bond Markets Think about “Too-Big-to-Fail” Since Dodd-Frank? What Do Rating Agencies Think about “Too-Big-to-Fail” Since Dodd-Frank? How Liquidity Standards Can Improve Lending of Last Resort Policies Depositor Discipline of Risk-Taking by U.S. Banks Liquidity Risk, Liquidity Management, and Liquidity Policies Why Large Bank Failures Are So Messy and What to Do about It? Do “Too-Big-to-Fail” Banks Take On More Risk? Evidence from the Bond Market on Banks’ “Too-Big-to-Fail” Subsidy The Transformation of Banking: Tying Loan Interest Rates to Borrowers' Credit Default Swap Spreads Did Securitization Lead to Riskier Corporate Lending? The Rise of the Originate-to-Distribute Model and the Role of Banks in Financial Intermediation Why Do Central Banks Have Discount Windows? João A.C. Santos's CV The views expressed in the papers listed on this page are those of the author(s) and do not necessarily reflect the position of the Federal Reserve Bank of New York or the Federal Reserve System. |