Date of Conferral



Doctor of Business Administration (D.B.A.)




David Bouvin


This correlation research study was used to investigate the impact of the Dodd-Frank legislation on the U.S. bank industry. The economic crisis of 2007-2009 had a global and significant financial impact, some of which still reverberates. In the United States, the reaction was The Dodd-Frank Wall Street Reform and Consumer Protection Act, which took effect July 21, 2010. This act has recently been the subject of academic research and remains debated in congress, with discussion focused on its repeal. The publicly available, secondary data set from banks' quarterly filed regulatory reporting provided the data used in this study. Every FDIC insured bank in the United States was included in the study. The research question for the study examined the unintended consequences of Dodd-Frank legislation as posited by the theories of Bexley (2014) and Barth, Prabha, and Swagel (2012) that Dodd-Frank was a regulatory overreaction and could have a long-term impact on a substantial number of financial institutions. From 2007 through 2013, the number of banks declined by over 1,753 institutions; a 19.82% decline. The structure of the research presumed that banks that relied heavily on consumer fees for depository services would be negatively impacted by rule changes and regulation regarding such fees. There were two research questions. The first focused on the role of the new rules in the decline of the number of banks. The second explored the role of the legislation in the financial performance of banks. Regression results resulted in not being able to reject the null hypotheses. The implication of the study for social change is that policy makers who understand these relationships may construct better regulation to mitigate unfair and deceptive consumer fees for banking services.