Author: Luke Petach

Redi Reports

The share of deposits held in locally-owned banks has fallen steadily in the US and in Colorado since the 1990s. This shift has hit already-underserved rural Colorado counties especially A decline in local bank shares imposes welfare costs on consumers and business ventures seeking financial services, and contributes to macroeconomic Since the Great Recession of 2007-2009, the United States’ banking system has been the subject of much attention.…

Redi Reports

Using local-level data on incarceration rates by race, we explore the relationship between income inequality, poverty, and incarceration at the commuting zone level from 1950 to the present. We find that labor markets with higher levels of inequality experienced larger increases in overall incarceration, and that relative rates of poverty play a key role in explaining the differential effects of mass incarceration across race.…
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