of creating an oligopoly. We assembled a data set that compares bank failures, lending rates, interest paid on deposits … were generally higher in Canada; (2) interest income received on securities was generally slightly higher in Canada; (3 …) interest rates charged on loans were generally quite similar; (4) net rates of return to equity were generally higher in Canada …

fees, foreign fees and surcharges applied to transactions by customers at other than an own-bank ATM. Surcharging raises … typically not possible between a bank and a non-bank. A high cost of teller transactions modifies the tendency towards high ATM …

For nearly three centuries, Indigenous peoples within the borders of present-day Canada engaged in treaty-making with …

The Canada-U.S. Free Trade Agreement (FTA) provides a unique window on the effects of trade liberalization. It was an …

the United States and Canada, prohibition was part of a broad political, economic, and social coalition termed the …

Wages for more- and less-educated workers have followed strikingly different paths in the U.S. and Canada. During the … fell slightly in Canada. Katz and Murphy (1992) found that for the U.S. a simple supply-demand model fit the pattern of ….S. and Canada. In both instances, the relative demand for more-educated labor shifts out at the same, consistent rate. Both …