, this paper explores whether changes in bank competition have in fact played a role on the market structure of non …"--Federal Reserve Bank of Chicago web site …

"Bank failures are widely feared for a number of reasons, including concern that depositors may suffer both losses in … regulators to protect all depositors in bank failures. This is likely to increase both moral hazard risk-taking by banks and poor … agency behavior by regulators with large ultimate costs to taxpayers. While ways of reducing the credit loss in bank failures …