Data Sets

Global Banking Regulation
Bank Regulation and Supervision in 180 Countries, 1999 - 2011

This database builds on surveys sponsored by the World Bank that were released in 1999, 2003, 2007, and 2012. Overall, the surveys cover 180 countries. The dataset also provides information on the organization of regulatory agencies and the size and structure of the overall banking system. This data set provides a wealth of cross-country and cross-time comparisons.

Source: James R. Barth, Gerard Caprio Jr., and Ross Levine: "Bank Regulation and Supervision in 180 Countries from 1999 to 2011", Journal of Financial Economic Policy, Volume 5, Issue 2, pp. 111-220, 2013.

Global Financial Development
Financial Development in 205 Economies, 1960 to 2013

This database provides information on financial systems in 205 economies over the period from 1960 to 2013 and includes measures of (1) size of financial institutions and markets (financial depth), (2) degree to which individuals and firms can and do use financial services (access), (3) efficiency of financial intermediaries and markets in intermediating resources and facilitating financial transactions (efficiency), and (4) stability of financial institutions and markets (stability). Please see our Maps and Key Charts sections for visualizations of key metrics and cross-country comparisons of the data included in this data set.

Source: Global Financial Development Database developed by the World Bank

Global Banking Regulation (Lee and Lu)
The impact of bank regulation and supervision on bank development, efficiency, and fragility, from 1999 to 2011

The data set investigates the changes of bank outcomes and a country's regulatory and supervisory practices in terms of capital regulation, supervisory power, private monitoring, entry into banking requirements, overall restrictions on bank activities and government ownership of banks. The data cover a sample of 53 countries with a total of 482 observations. This cross-country analysis provides evidence on which specific regulatory and supervisory practices work best in light of what was learned from the recent financial crisis. The main bank regulatory and supervisory data set used in this study is derived from Global Banking Regulation data set that was sponsored by World Bank and conducted by Barth, Caprio, and Levine.

Source: Lee, K. and Lu, W. (2015), "Do bank regulation and supervision matter? International evidence from the recent financial crisis," Journal of Financial Economic Policy, Vol. 7 No. 3, pp. 275—288.

Payday Lending in the United States
Regulations on payday lending are limited and vary by state

When a borrower receives a so-called "payday loan," he or she writes a check that is postdated to the next payday or signs over permission for the lender to make an electronic withdrawal of the amount borrowed, plus fees, on that day. Converting these fees into interest rates yield very high rates, reaching levels often considered outrageous or unethical. Ten states and the District of Columbia prohibit the operation of payday loan stores, and 31 states have imposed regulatory restraints on the industry. These range from caps on fees and loan amounts to the number of rollovers and renewals a borrower may execute. Given the wide variation among state regulatory regimes, this data set, obtained directly from each state's regulatory authority, attempts to assess the extent to which the concentration of payday lenders in a given county correlates to its regulatory environment, as well as to various financial and demographic variables.

Source: James R. Barth, Jitka Hilliard, John S. Jahera, Yanfei Sun "Do state regulations affect payday lender concentration?" Journal of Economics and Business (doi:10.1016/j.jeconbus.2015.08.001).