The benefits of branching deregulation

Article Abstract:

The enactment of the Riegle-Neal Interstate Banking and Branching Efficiency Act in Jun 1997 is expected to produce benefits similar to that accomplished through deregulation of the industry. These include enhanced economic growth, lower loan rates and reduced banking costs. Pertinent provisions of the Act deal with the removal of geographic barriers to bank expansions and the creation of multistate banking franchises. However, the Act's positive impact could possibly be minimal because deregulation has already provided key benefits to the banking industry.

Banking Institutions, Depository Credit Intermediation, DEPOSITORY INSTITUTIONS, Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors, Banking Regulation, Banks (Finance), Deregulation

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The new safety net

Article Abstract:

Issues concerning the operation and effectiveness of the Federal Deposit Insurance Corporation Improvement Act 1991 in preventing potential financial failure in the banking industry is discussed.

United States

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