Document Type

Working Paper

Publication Date

12-22-2016

College/Unit

Chambers College of Business and Economics

Document Number

16-29

Department/Program/Center

Economics

Abstract

This paper utilizes variation in timing of deregulation to investigate the relationship between bank branching deregulation and educational outcomes for individuals in 39 states over the period 1977 - 1999. In order to investigate the labor market channel, this paper focuses on the relationship between deregulation and high school graduation, as opposed to recent studies focusing on the relationship between deregulation and college attendance via the credit market channel. Results indicate increases in the likelihood of graduating high school after deregulation. Results also suggest heterogeneity in effects due to race and age at deregulation. Finally, models testing the relationship between bank deregulation and post-secondary education outcomes generate similar results to findings from previous studies.

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