The passage of the Gramm-Leach-Bliley Act (GLB) in 1999 was a milestone in financial services regulation. GLB repealed restrictions dating back to the Depression against the commingling of securities, insurance and other financial service activities within a banking organization. While still a...

The survey of community banks revealed that many Tenth District community bankers are concerned about their banks' ability to compete and succeed in the future. In light of these concerns, the authors looked at recent performance trends to see how District community banks have done and to...

Beginning in 1997, many community banks became eligible to elect a new form of ownership, referred to as Subchapter S. Through June of 2000, 18 percent of the community banks in the United States had changed to this new ownership status. The Subchapter S ownership form effectively eliminates the...

Dramatic changes are occurring in our financial system and the pace of change is increasing. These changes provide opportunities for community bankers, but they also create new challenges. To explore how community banks will respond to these challenges, we asked Tenth District community bankers...

This article explores trends in consumer adoption of electronic banking products and services between 1995 and 2004.  The article also discusses whether increasing use of electronic banking has impacted consumer sentiment regarding the importance of bank location.

In the 1990s, banks will face a variety of challenges. These include meeting new loan competition, managing market risks, maintaining a funding base, and developing successful strategies in banking consolidation. ; This speech takes a careful look at these challenges. It also examines how the...