A discussion of the existing and potential effects of banking deregulation laws and proposals, with emphasis on issues surrounding efforts to weaken restrictions on banks' product decisions imposed by the Glass-Steagall Act of 1933.

A discussion of the traditional structure-performance theory and the contestable market theory as they pertain to competition and bank profitability in the banking industry. The author uses data from a sample of Ohio and Pennsylvania banks.

An analysis of the changes taking place in the banking industry, with a discussion of four options for reforming the structure of our banking system, and a recommendation for the most effective action.

A discussion of how thrift competition affects the earnings of banks, using data from a sample of 314 banks from a 14-state area.

An analysis of independent bank performance from 1979-81 in meeting the challenge posed by economic, regulatory, and technological changes in the commercial banking marketplace.

Since the Great Recession, bank lending to small businesses has fallen significantly, and policymakers have become concerned that these businesses are not getting the credit they need. Many reasons have been suggested for the decline. Our analysis shows that it has multiple sources, which means...

An examination of the continuing strength of the loan sales market, documenting its growth during the latter half of the 1980s, its subsequent downturn in the early 1990s, the effect of merger and acquisition activity, and the impact of the 1990-91 recession, plus a discussion of how these...

An examination of the extent to which savings and loan associations in Ohio have chosen to exercise their expanded commercial lending powers in the 1980s, and an investigation of the impacts of this decision on their performance.

An examination of the risks associated with leveraged buyouts and a discussion of the current response of federal bank regulators to the increased participation of banks and bank holding companies in funding LBOs, stressing the need for appropriate internal controls.

In November 1999, the U.S. Congress asked the Board of Governors of the Federal Reserve System to conduct a comprehensive study of loans made under the Community Reinvestment Act of 1977. The Board’s study focused on the loans’ delinquency and default rates—their performance—as well as...