William W. Lang

Promontory Financial Group

Managing Director

1201 Pennsylvania Avenue, NW

Suite 617

Washington, DC 20004

United States

http://www.promontory.com

SCHOLARLY PAPERS

21

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CITATIONS
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124

Scholarly Papers (21)

1.

Technological Innovation in Banking and Payments: Industry Trends and Implications for Banks

Quarterly Journal, Office of the Comptroller of the Currency, Vol. 17, No. 3, p. 23, September 1998
Number of pages: 10 Posted: 20 Jan 2012
Karen Furst, William W. Lang and Daniel E. Nolle
Office of the Comptroller of the Currency, Promontory Financial Group and affiliation not provided to SSRN
Downloads 802 (13,472)
Citation 2

Abstract:

Internet Banking, Technological Innovation in Finance, Banking, Payments

2.

Internet Banking: Developments and Prospects

Office of the Comptroller of the Currency Economic and Policy Analysis Working Paper No. 2000-9
Number of pages: 60 Posted: 20 Jan 2012
Karen Furst, William W. Lang and Daniel E. Nolle
Office of the Comptroller of the Currency, Promontory Financial Group and affiliation not provided to SSRN
Downloads 534 (29,170)
Citation 12

Abstract:

Internet Banking, Technological Innovation, Banking System

3.

Risk Quantification of Retail Credit: Current Practices and Future Challenges

CEIS Tor Vergata - Research Paper Series No. 13
Number of pages: 25 Posted: 18 Apr 2003
Anthony M. Santomero and William W. Lang
University of Pennsylvania - The Wharton School and Promontory Financial Group
Downloads 523 (40,404)
Citation 2

Abstract:

The Information Content of Bank Exam Ratings and Subordinated Debt Prices

Number of pages: 32 Posted: 15 Jan 2001
University of Kansas School of Business, University of Florida - Department of Finance, Insurance and Real Estate, Promontory Financial Group and Texas A&M University - Department of Finance
Downloads 510 (42,926)
Citation 37

Abstract:

Commercial banks, bank exam ratings, subordinated debt, market efficiency

The Information Content of Bank Exam Ratings and Subordinated Debt Prices

Journal of Money, Credit, and Banking
Posted: 06 Mar 2001
Robert DeYoung, Mark J. Flannery and William W. Lang
University of Kansas School of Business, University of Florida - Department of Finance, Insurance and Real Estate and Promontory Financial Group

Abstract:

Commercial banks, bank exam ratings, subordinated debt, market efficiency

Do Bankers Sacrifice Value to Build Empires? Managerial Incentives, Industry Consolidation, and Financial Performance

FRB of Philadelphia Working Paper No. 02-2
Number of pages: 43 Posted: 20 Jun 2002
Rutgers, The State University of New Jersey - Department of Economics, Villanova University - Villanova School of Business, Promontory Financial Group, Federal Reserve Banks - Federal Reserve Bank of Cleveland and Hanyang University
Downloads 381 (61,678)
Citation 27

Abstract:

consolidation, acquisitions, managerial incentives, efficiency, agency problems, corporate control, stochastic frontier

Do Bankers Sacrifice Value to Build Empires? Managerial Incentives, Industry Consolidation, and Financial Performance

Journal of Banking and Finance, Forthcoming
Posted: 02 Sep 2002
Rutgers, The State University of New Jersey - Department of Economics, Villanova University - Villanova School of Business, Promontory Financial Group, Federal Reserve Banks - Federal Reserve Bank of Cleveland and Hanyang University

Abstract:

consolidation, acquisitions, managerial incentives, efficiency, agency problems, corporate control, stochastic frontier

6.

Who Offers Internet Banking?

Quarterly Journal, Office of the Comptroller of the Currency, Vol. 19, No. 2, p. 27, 2000
Number of pages: 20 Posted: 20 Jan 2012
Karen Furst, William W. Lang and Daniel E. Nolle
Office of the Comptroller of the Currency, Promontory Financial Group and affiliation not provided to SSRN
Downloads 237 (78,925)
Citation 5

Abstract:

Internet Banking, Technological Innovation, Banking System

7.

Strategic Default on First and Second Lien Mortgages During the Financial Crisis

FRB of Philadelphia Working Paper No. 11-3
Number of pages: 33 Posted: 14 Dec 2010
Julapa Jagtiani and William W. Lang
Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Promontory Financial Group
Downloads 203 (101,630)
Citation 3

Abstract:

Mortgage, Home Equity Loan, Default Behavior, Strategic Default, Loan Modification, Financial Crisis

8.

Internet Banking in the U.S.: Landscape, Prospects, Industry Implications

Capco Institute Journal of Financial Transformation, No. 2, p. 45, 2001
Number of pages: 8 Posted: 20 Jan 2012
Karen Furst, William W. Lang and Daniel E. Nolle
Office of the Comptroller of the Currency, Promontory Financial Group and affiliation not provided to SSRN
Downloads 192 (103,762)
Citation 6

Abstract:

Internet Banking, Banking Industry, Technological Innovation

9.

Enhancing Prudential Standards in Financial Regulations

FRB of Philadelphia Working Paper No. 14-36
Number of pages: 26 Posted: 23 Dec 2014 Last Revised: 25 Dec 2014
Imperial College London, University of Pennsylvania - The Wharton School - Finance Department, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Promontory Financial Group
Downloads 187 (92,459)

Abstract:

Financial Stability, Financial Regulations, Systemic Risk, Too Big To Fail, Stress Testing, Resolution Plan, Mortgage Finance

10.

Potential Competitive Effects on U.S. Bank Credit Card Lending from the Proposed Bifurcated Application of Basel II

FRB Philadelphia Working Paper No. 05-29
Number of pages: 80 Posted: 16 Jan 2006
William W. Lang, Loretta J. Mester and Todd Vermilyea
Promontory Financial Group, Federal Reserve Banks - Federal Reserve Bank of Cleveland and Federal Reserve Bank of Philadelphia
Downloads 173 (139,720)
Citation 1

Abstract:

Credit cards, Basel capital accord

11.

How the Internet Affects Output and Performance at Community Banks

Journal of Banking & Finance, Vol. 31, pp. 1033-1060, 2007
Number of pages: 28 Posted: 20 Jan 2012
Robert DeYoung, William W. Lang and Daniel E. Nolle
University of Kansas School of Business, Promontory Financial Group and affiliation not provided to SSRN
Downloads 159 (89,899)
Citation 12

Abstract:

Internet Banking, Community Banks, Banking System, Bank Branching

12.

Recovering Risky Technologies Using the Almost Ideal Demand System: An Application to U.S. Banking

FRB of Philadelphia Working Paper No. 00-05
Number of pages: 34 Posted: 21 Aug 2000
Federal Reserve Banks - Federal Reserve Bank of Cleveland, Rutgers, The State University of New Jersey - Department of Economics, Promontory Financial Group and Hanyang University
Downloads 122 (184,693)
Citation 17

Abstract:

Banking, production, risk, efficiency, agency problems

13.

Insider Bank Runs: Community Bank Fragility and the Financial Crisis of 2007

FRB of Philadelphia Working Paper No. 15-09
Number of pages: 32 Posted: 19 Feb 2015
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Promontory Financial Group and Culverhouse College of Commerce, University of Alabama
Downloads 52 (318,965)

Abstract:

Dividend Policy, Financial Crisis, Bank Lending, Bank Risk, Bank Regulation, Risk Management

Foreclosure Delay and Consumer Credit Performance

FRB of Philadelphia Working Paper No. 15-24/R
Number of pages: 40 Posted: 18 Jul 2015
Paul S. Calem, Julapa Jagtiani and William W. Lang
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Promontory Financial Group
Downloads 41 (359,328)

Abstract:

Mortgage Default, Foreclosure, Foreclosure Delay, Credit Card Default

Foreclosure Delay and Consumer Credit Performance

FRB of Philadelphia Working Paper No. 14-8
Posted: 20 Mar 2014 Last Revised: 24 Jul 2015
Paul S. Calem, Julapa Jagtiani and William W. Lang
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Promontory Financial Group

Abstract:

Mortgage Default, Foreclosure, Foreclosure Delay, Credit Card Default

15.

The Mortgage and Financial Crises: The Role of Credit Risk Management and Corporate Governance

Atlantic Economic Journal, 2010
Posted: 02 Apr 2010
Julapa Jagtiani and William W. Lang
Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Promontory Financial Group

Abstract:

Financial Crisis, Risk Management, Corporate Governance, Subprime Crisis

16.

Competitive Effects of Basel II on U.S. Bank Credit Card Lending

FRB of Philadelphia Working Paper No. 07-9
Posted: 18 Apr 2007 Last Revised: 14 Sep 2008
William W. Lang, Loretta J. Mester and Todd Vermilyea
Promontory Financial Group, Federal Reserve Banks - Federal Reserve Bank of Cleveland and Federal Reserve Bank of Philadelphia

Abstract:

Basel Accord, Basel II, capital requirements, bank regulation, competition

17.

Agent Bank Behavior in Bank Loan Syndications

Journal of Financial Research, Forthcoming
Posted: 23 Sep 2004
Jonathan D. Jones, William W. Lang and Peter J. Nigro
Government of the United States of America - Office of Thrift Supervision, Promontory Financial Group and Bryant University - Department of Finance

Abstract:

Bank loans, loan syndication

18.

Internet Banking

Journal of Financial Services Research, Vol. 22, No. 1 & 2, August/October 2002
Posted: 05 Mar 2003
William W. Lang, Daniel E. Nolle and Karen Furst
Promontory Financial Group, affiliation not provided to SSRN and Office of the Comptroller of the Currency

Abstract:

Internet banking, electronic banking, de novo banks

19.

Recovering Risky Technologies Using the Almost Ideal Demand System: An Application to U.S. Banking Mutual Funds

WFIC Working Paper No.97-47
Posted: 10 Jul 1998
Rutgers, The State University of New Jersey - Department of Economics, Promontory Financial Group, Federal Reserve Banks - Federal Reserve Bank of Cleveland and Hanyang University

Abstract:

20.

Efficient Banking Under Interstate Branching

J. OF MONEY, CREDIT, AND BANKING, Vol. 28 No. 4, November 1996
Posted: 29 Oct 1996
Rutgers, The State University of New Jersey - Department of Economics, Promontory Financial Group, Federal Reserve Banks - Federal Reserve Bank of Cleveland and Hanyang University

Abstract:

21.

Safety in Numbers? Geographic Diversification and Bank Insolvency Risk

96-14
Posted: 10 Sep 1996
Rutgers, The State University of New Jersey - Department of Economics, Promontory Financial Group, Federal Reserve Banks - Federal Reserve Bank of Cleveland and Hanyang University

Abstract: