NATIONS, M.; COLE, C.; HEMLEY, D. The Impact of Regulation on Consolidation and Competition in the Banking Industry From 1980 to 2019. Journal of Accounting and Finance, [S. l.], v. 22, n. 2, 2022. Disponível em: https://articlearchives.co/index.php/JAF/article/view/16. Acesso em: 24 nov. 2025.