The German model of regional banks has been credited with providing better local access to financial services, maybe especially for small businesses. German regulation compartmentalises the financial system enabling regional financial institutions to operate (and not be outcompeted by large...

With origins in the civil rights movement and evidence about redlining of communities of colour, the Community Reinvestment Act requires banks to serve low and moderate-income communities. As banks can fulfil their obligations under CRA by funding community-based lenders, the act has...

In many if not most Developed economies, mainstream financial institutions are expected to promote financial inclusion by serving vulnerable groups and supporting alternative community-based service provision. In this episode, I am joined by Prof Karl Dayson (University of Lincoln) to discuss...