re: Branch Closures Revved Up in Late 2012, Study Finds
I think it is really disingenuous to blame regulation for branch closings. I don't know if it's in the purview of this research, but at least in the NY metro area there was a ridiculous amount of branch expansion pre-financial crisis. This is a pendulum swing we've seen in banking many times before (focus on branch, less focus on branch). And I'm sure we'll see it again, as the role of the branch evolves.