Economic Reports

To support Advocacy’s mission of examining the role and contributions of small businesses, the Office of Economic Research spent FY 2019 providing timely and relevant research products, analyzing proposed regulations for small business…

Lending to businesses in counties where a bank has no branches is highly sensitive to economic conditions. During the 2007 recession, distant lending contracted far more sharply than local lending, leaving the share of loans made at a…

The Paycheck Protection Program and Economic Injury Disaster Loan program had significant impacts on the small business lending market. The value of outstanding loans of less than $1 million (considered to be small business loans)…

When using traditional measurements, small business exports represent about one third of total U.S. export value. However, these measures fail to take into account the value small businesses add to exports sold by large businesses. Using a…

Advocacy’s small business lending report examines FDIC data to determine the state of bank lending to small businesses. Between June 2017 and June 2019, small business lending remained positive, though below the increase in lending to…

While minorities make up 40% of the U.S. population, they make up only 20% of small business owners. Part of this discrepancy can be attributed to differences in access to capital. Using 2017 Federal Reserve survey data, this study…

The diversity of small businesses across the United States means their funding needs differ from place to place. Access to bank credit is important for all small businesses, whether located in rural or urban areas. Using FDIC data, this…

When starting businesses, women tend toward industries related to domestic service and men lean toward construction and repair-related industries. This has had implications for the size and growth of their individual businesses. On…

Office of Advocacy, January 2020 Small business lending from bank lenders remained positive in 2017, but a slower pace than the previous year. The research report by the Office of Advocacy examines FDIC data to find that small…

Report Research Summary As workers age, they face an increasing risk that health problems will force them out of the labor force. However, workers with more control over their work conditions may be better able to manage the…