Using monthly data from 2005 to 2019, we employ a dynamic heterogeneous cross-sectionally autoregressive distributed lag (CS-ARDL) model examine the impact of higher regulatory capital requirements on interest rate pass-through (IRPT) bank lending and deposit rates in 22 Sub-Saharan Africa (SSA) countries. Two key findings emerge investigation: (i) average IRPT SSA is incomplete long run, (ii) ...