White Paper: The Impact of Regulatory Differences on Lending and Borrowing Behaviors

Read this white paper from EDGE to learn about how regulatory differences affect lending and borrowing patterns. 

Our findings, based on EDGE bank transaction data, suggest that less stringent regulations facilitate more lending and overall are more advantageous for consumers. 

Lenders can use this analysis to explore opportunities with regulators and lawmakers to reduce regulatory barriers to increase access to credit, particularly for lower-income individuals.