RebelCole.com

Welcome to RebelCole.com, the personal website of Dr. Rebel A. Cole

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Dr. Rebel A. Cole is the Lynn Eminent Scholar Endowed Chair in Finance at Florida Atlantic University.

Below, Dr. Cole with staff of the Central Bank of Sierra Leone at conclusions of an IMF technical assistance mission on stress-testing for banks in Sierra Leone.

Dr. Cole teaches graduate-level courses in advanced financial management and corporate governance. Prior to working at FAU, Dr. Cole was a tenured professor at DePaul University in Chicago, IL USA; at the University of New South Wales in Sydney, Australia; and at the University of Auckland in Auckland, New Zealand. During his career, he has taught finance students in six different countries (Australia, Bahrain, People's Republic of China, New Zealand, Switzerland and the U.S.).

Dr. Cole has published peer-reviewed articles in top academic journals that include the Journal of Finance, the Journal of Financial Economics, the Journal of Financial & Quantitative Analysis, the Journal of Corporate Finance, the Journal of Banking &Finance, the Journal of Financial Intermediation, the Journal of Financial Stability, the Journal of Real Estate Finance and Economics and Real Estate Economics. His primary areas of research are commercial banking, corporate governance, financial institutions, real estate and small-business finance. Most of his manuscripts are available for free download from the Social Science Research Network (SSRN), where he is ranked in the top 0.3% of more than 420,000 researchers worldwide. According to Google Scholar, Dr. Cole's research has been cited more than 8,700 times. According to Microsoft Academic Search, Scopus and the Social Science Citation Index, Dr. Cole's research has been cited more than 2,000 times.

Dr. Cole is also an active commentator in the media. During the past decade, he has been interviewed for stories in the Wall Street Journal, the New York Times, the American Banker, Bloomberg BusinessWeek, the Chicago Tribune, CNN Money, Forbes, the Huffington Post, NPR's All Things Considered, Voice of America News, the Washington Post, the Washington Times, and Yahoo Finance. He has appeared in television interviews on CNN, First Business News, Fox Business News, the PBS Nightly Business Report, as well as on local Chicago stations including several appearances on WTTW's Chicago Tonight.

Dr. Cole received his PhD in Business Administration from the Kenan-Flagler School of Business at the University of North Carolina at Chapel Hill in 1988. For the next ten years, he worked as a staff economist at the Federal Home Loan Bank Board (now the Office of Thrift Supervision), where he worked on the 1980s S&L crisis; at the Federal Reserve Bank of Dallas, where he worked on the 1990s banking crisis; and at the Board of Governors of the Federal Reserve System in Washington, DC, where he oversaw the design, development and implementation of the System for Estimating Examination Ratings (SEER)--the Fed's primary system for offsite monitoring of banks and bank holding companies--and served as co-principal investigator for the Survey of Small Business Finances.

Since leaving the Board of Governors in 1997, Dr.Cole has served as a special advisor to the Asian Development Bank, the Caribbean Technical Assistance Center, the International Monetary Fund, the Middle East Technical Assistance Center, and the World Bank, providing technical assistance and training to Central Banks in developing countries that include the Antigua, Bahamas, Belize, Cape Verde, China, Ghana, Guyana, India, Jamaica, Jordan, Kenya, Lebanon, Malaysia, the Maldives, Mongolia, Montserrat, Morocco, Nigeria, Palestine, the Philippines, Russia, Qatar, Sierra Leone, St. Lucia, St. Kitts, Sudan, Syria, Trinidad & Tobago, Turkey, Uzbekistan, Yemen, and Zimbabwe. Dr. Cole has participated in more than 80 international missions to these countries to assist in the development of stress tests, financial stability reports, and off-site monitoring systems for commercial banks and other financial institutions. 

My CV: Click here.

My Working Papers: Click here.

My Presentations: Click here.

My Publications:  Click here.

My Citations:  Click here.

My International Work:  Click here.

My Media:  Click here.

My Recent Publications:

Cole, Rebel A., Iannos Floros, and Vladimir Ivanov. 2018. Reducing uncertainty through a two-stage IPO.
Journal of Financial Intermediation, forthcoming. Available at: http://www.ssrn.com/abstract=2808852

Cole, Rebel A. and Tatyana Sokolyk. 2017. Debt financing, survival and growth of start-up firms. Journal of Corporate Finance 50, 609-625.

Calcagnini, Giorgio, Rebel Cole, Germana Giombini, and Gloria Grandicelli. 2018. Hierarchy of bank loan approval and loan performance.
Economia Politica, 1-20.

Dai, Na, Vladimir Ivanov, and Rebel A. Cole. 2017. Entrepreneurial Optimism, Credit Availability, and Cost of Financing: Evidence from U.S. Small Businesses. Journal of Corporate Finance 44, 289-307.

Cole, Rebel A. and Lawrence J. White. 2017. When time is not on our side: The costs of regulatory forbearance in the closure of insolvent banks. Journal of Banking and Finance 80, 235-249.

Cole, Rebel A. and Tatyana Sokolyk. 2016. Who needs credit and who gets credit? Evidence from the Surveys of Small Business Finances. Journal of Financial Stability 24, 40-60.

Cole, Rebel A., Douglas Cumming, and Dan Li. 2016. Do banks or VCs spur growth? Journal of International Financial Markets, Institutions, and Money 41, 60-72.

Cole, Rebel A. and Hamid Mehran. 2016. What do we know about executive compensation at small privately held firms? Small Business Economics 46, 215–237.

Chernykh, Lucy and Rebel A. Cole. 2015. How should we measure bank capital adequacy? A simple proposal. Journal of Financial Stability 20, 131-143.

My Recent Media:

• Wall Street Journal (Nov. 11, 2016): The Hidden Flaws of Bank Loans
• Tax Notes (May. 09, 2016): 100 Percent Expensing Is No Alternative for Interest Deductibility
  
• American Banker (Mar. 03, 2016): Small Businesses Are Unhappy With Online Lenders 
• Bankrate.com (Feb. 29, 2016): What Happens When Your Bank Is Liquidated? 
• Wall Street Journal (Nov 26, 2015): Big Banks Cut Bank Lending to Small Businesses 
• Wall Street Journal (May 26, 2015): Entrepreneurs May Be a Lot More Creditworthy Than They Think 
• Int'l Business Times (Mar. 04, 2015): Stress Tests on Big Banks Are Too Predicable, Treasury Department Paper Says 
• American Banker (Feb. 25, 2015): Irony of JPM's Organic-Growth Pitch Not Lost on Dimon 
• American Banker (Feb. 16, 2015): Banks Rev Up Small-Business Lending Amid Critics, New Competitors 
• American Banker (Feb. 16, 2015): Are the Big Banks Open for Small Business Lending? 
• Bloomberg News (Dec. 17, 2014): Russia's Latest Torment: Higher Prices for Everything 
• New York Times (May 21, 2014): In Credit Suisse Settlement, a Question of Justice 
• New York Times (Mar. 13, 2014): What North Dakota's Public Bank Does for Small Businesses
  
• New York Times (Oct.08, 2013): The Guarantee That Banks May Fear to Invoke
  
• American Banker (Oct. 07, 2013: Buried in the Fine Print: $57 B of FHA Loans Big Banks May Have to Eat
  
• New York Times (Aug.02, 2013): Barclays, Caught Short, Is Now in a Bind
  
• New York Times (May 01, 2013: Banks Ease Capital Cost of Loans to Brokers
  
• New York Times (Mar.08, 2013): Banks Pass Fed’s Tests; Critics Say It Was Easy
  
• CNN Money (Nov. 14, 2012): Study: Bank bailout didn't boost small business lending
  
• Bloomberg Businessweek (Nov. 08, 2012): TARP Verdict: Bailouts Failed to Help Small Business
  
• Voice of America News (Sep. 11, 2012): Central Bank to Weigh Further Stimulus Measures
  
• Voice of America News (Sep. 07, 2012): Weak US Employment Report Could Force Central Bank Action
  
• PBS Nightly Business Report (Jul.11, 2012): Fed's Role with LIBOR
  
• WTTW Chicago Tonight (Jun.12, 2012): Fed: Recession Shrank Wealth 40%
  
• Bloomberg News (Apr.18, 2012): Bank of America Faces Bad Home-Equity Loans: Mortages
  
• WTTW Chicago Tonight (Apr.10, 2012): The Buffett Rule
  
• New York Times (Mar. 14, 2012): Questions as Banks Increase Dividends
  
• Fox Business News (Feb.10, 2012): Is the Fed Doing Enough To Fix Housing?
  
• American Banker (Nov. 2, 2011): FDIC's Failure Role Larger Than It Likes To Admit
  
• Washington Post (Sep. 20, 2011): Creating Better Banks of America
  
• Bloomberg Businessweek (Sep. 14, 2011): BofA Cuts May Aid PNC As Rivals Challenge Too-Big-To-Fail Firms
  
• CNN Weekday with Brooke Baldwin (Sep. 12, 2011): CNN Weekday: Bank of America Job Cuts
  
• NPR All Things Considered (Sep. 12, 2011): How Bank of America Lost its Balance
  
• Bloomberg Businessweek (Sep. 11, 2011): Moynihan Cedes Top Rank as BofA Disowns Bigger-is-Better
  
• American Banker (Aug. 15, 2011): Why CAMELS Aren't As Secret As You Think
  
• American Banker (July 30, 2011): Bankers Brace for Default, Credit Quality Hit
  
•  American Banker (April 28, 2011): Servicing Wrongs Could Force Banks to Take Big Losses on FHA Loans
  
•  New York Times (October 21, 2010): Quote of the Day Oct. 21, 2010
  
• New York Times (October 21, 2010): Big Clash on Foreclosures is Taking Place
  
• Fox Business News (September 28, 2010): Default on Second Mortgage to Save Home
  
• Washington Post (September 24, 2010): Bank's Dispute Strategy to Force a Quicker Foreclosure Modification