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FDIC Banking Review

2005 Volume 17, No. 4

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The Future of Banking in America

The U.S. Federal Financial Regulatory System: Restructuring Federal Bank Regulation | PDF (148k)
by Rose Marie Kushmeider

Most observers of the U.S. financial regulatory system would agree that if it did not exist, no one would invent it. Most, however, would also admit that the system--despite all its faults--has served both the financial services industry and consumers well. This paper looks at arguments for and against reform in the context of changes taking place within the industry and around the world in other financial regulatory systems.

Consolidation in the U.S. Banking Industry: Is the “Long, Strange Trip” About to End? | PDF (228k)
by Kenneth D. Jones and Tim Critchfield

Consolidation has been an enduring trend in the U.S. banking industry for more than two decades. This article provides an overview of the structural changes that have occurred and explores the empirical research to determine how consolidation has affected such things as asset concentration, competition, consolidation banking efficiency and profitability, shareholder value, and the availability and pricing of banking services. Finally, the authors speculate on how the current forces of change might affect the industry’s structure going forward.

Banking Review - 2005 - Vol. 17 No. 4, Full Edition - PDF (357k)

The views expressed are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation. Articles may be reprinted or abstracted if the FDIC Banking Review and author(s) are credited. Please provide the FDIC's Division of Insurance and Research with a copy of any publications containing reprinted material.

Single-copy subscriptions are available to the public free of charge. Requests for subscriptions, back issues or address changes should be mailed to FDIC Banking Review, Public Information Center, 801 17th Street, N.W., Washington, DC 20434.

Acting Chairman Martin J. Gruenberg
Director, Division of Insurance and Research Arthur J. Murton
Deputy Director Donald Inscoe
Managing Editor Jack Reidhill
Editorial Committee Christine E. Blair
Valentine V. Craig
Rose M. Kushmeider
Publication Manager Geri Bonebrake



Last Updated 12/13/2005 Questions, Suggestions & Requests