Remarks delivered at the June 2000 conference quot;Specialization, Diversification, and the Structure of the Financial System: The Impact of Technological Change and Regulatory Reform,quot; sponsored by the Federal Reserve Bank of New York

Remarks delivered at the October 2003 conference quot;Beyond Pillar 3 in International Banking Regulation: Disclosure and Market Discipline of Financial Firms,quot; cosponsored by the Federal Reserve Bank of New York and the Jerome A. Chazen Institute of International Business at Columbia...