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FinanceandEconomicsDiscussionSeriesFederalReserveBoard,Washington,D.C.ISSN1936-2854(Print)ISSN2767-3898(Online)OutofSight,OutofMind:NearbyBranchClosuresandSmallBusinessGrowthBenRanish,AndreaStella,JefferyZhang2024-071Pleasecitethispaperas:Ranish,Ben,AndreaStella,andJefferyZhang(2024).“OutofSight,OutofMind:NearbyBranchClosuresandSmallBusinessGrowth,”FinanceandEconomicsDiscus-sionSeries2024-071.Washington:BoardofGovernorsoftheFederalReserveSystem,https://doi.org/10.17016/FEDS.2024.071.NOTE:StaffworkingpapersintheFinanceandEconomicsDiscussionSeries(FEDS)arepreliminarymaterialscirculatedtostimulatediscussionandcriticalcomment.TheanalysisandconclusionssetfortharethoseoftheauthorsanddonotindicateconcurrencebyothermembersoftheresearchstaffortheBoardofGovernors.ReferencesinpublicationstotheFinanceandEconomicsDiscussionSeries(otherthanacknowledgement)shouldbeclearedwiththeauthor(s)toprotectthetentativecharacterofthesepapers.OutofSight,OutofMind:NearbyBranchClosuresandSmallBusinessGrowth*BenRanishFederalReserveBoardAndreaStellaFederalReserveBoardJefferyZhangUniversityofMichiganJuly29,2024AbstractSince2010,thetotalnumberofcommercialbankbranchesintheUnitedStateshasfallenbyabout20%.Dobranchclosuresmeaningfullyaffecteconomicactivity?Weinvestigatetheimpactofbranchclosuresonsmallbusinesses,whosecreditaccessmaybefacilitated...