The 14th Annual Conference on Bank Structure & Competition

Since the early 1960s, the Federal Reserve Bank of Chicago’s Conference on Bank Structure and Competition has served as a forum for academics, regulators and industry participants to debate current issues affecting the financial services industry. Each year the purpose of the conference is to continue that tradition. This retrospective on the history and evolution of the conference reviews the past four decades of conferences.

 

The primary motivating factor for the conference was the passage of the 1960 Bank Merger Act and the U.S. versus Philadelphia National Bank Supreme Court decision. Suddenly, bank regulatory agencies were required to consider competitive factors in addition to banking factors when evaluating bank merger applications. Each of the Federal Reserve Banks was encouraged to survey the existing literature on bank structure and develop its own research agendas on these issues.


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04/27/78
12:00 AM
I. Bank Holding Company Regulation
  • An Alternative Approach to Regulating Bank Holding Companies
, Board of Governors of the Federal Reserve System
Samuel H Talley, Board of Governors of the Federal Reserve System
  • Financial Innovation and the Growth of Bank Holding Companies
Robert A Eisenbeis, Board of Governors of the Federal Reserve System
  • Bank Holding Company Financial Structure and Bank Capital Supervision: An Economic Appraisal
Evelyn C Fallek, Federal Reserve Bank of New York
Richard W Nelson, Federal Reserve Bank of New York
  • Bank Holding Company Regulation: Discussion
Paul M Horvitz, University of Houston
  • A Cost–Benefit Analysis of the Bank Holding Company Act of 1956
Harvey Rosenblum, Federal Reserve Bank of Chicago and University of Oregon
  • Bank Dividend Policy and Holding Company Affiliation
, Federal Deposit Insurance Corporation and Case Western Reserve University
  • An Empirical Test of the Linked Oligopoly Theory: An Analysis of Florida Holding Companies
David D Whitehead III, Federal Reserve Bank of Atlanta
  • The Single Subsidiary One-Bank Holding Com
Roger D Stover, University of Minnesota
  • Owner vs. Manager Control Effects on Bank Profit Rates, Growth and Costs
, Board of Governors of the Federal Reserve System
Stephen A Rhoades, Board of Governors of the Federal Reserve System
  • Performance of S&L Holding Company Affiliates
Donald G Edwards, Federal Home Loan Bank Board
12:00 AM
II. Topics in Financial Regulation
  • Regulation of Loan Commitments
Steven A Seelig, Fordham University
, Fordham University
  • Differential State Regulation of Consumer Credit Markets: Normative and Positive Theories of Statutory Interest Rate Ceilings
Linda N Edwards, Columbia University
Franklin R Edwards, Columbia University
  • Testing for Sex Discrimination in Commercial Bank Consumer Lending
Richard L Peterson, Purdue University
Carol M Peterson, Purdue University
12:00 AM
III. Reserve Requirements and Federal Reserve Memberships
  • The Payment of Interest on Member Bank Reserves
Thomas Hoenig, Federal Reserve Bank of Kansas City
Kenneth Spong, Federal Reserve Bank of Kansas City
  • Linking Required Reserves Reform to the Correspondent Banking System
William G Dewald, Ohio State University
  • Effectiveness of State Reserve Requirements
R Alton Gilbert, Federal Reserve Bank of St. Louis
  • Required Reserves, Correspondent Balances and Cash Asset Positions of Member and Nonmember Banks: Evidence from the Fifth Federal Reserve District
Bruce J Summers, Federal Reserve Bank of Richmond
12:00 AM
IV. Electronic Funds Transfer System
  • Alternative EFT Models and Competition
Elinor H Solomon, U.S. Department of Justice
  • Regulation of EFTs as a Public Utility
Robert W McLeod, Louisiana State University
Bruce H Fairchild, Texas Public Utilities Commission
  • Discussant
Edwin B Cox, Arthur D. Little, Inc.
12:00 AM
V. Risk in Banking
  • The Fundamental Determinants of Risk in Banking
Barr Rosenberg, University of California at Berkeley
Philip R Perry, University of California at Berkeley
12:00 AM
VI. Research in Progress
  • The Role of Corporate Securities in Commercial Banks: Liquidity, Profitability, and Risk Factors
, University of Toledo
  • Bank Holding Company Double Leverage: Good, Bad or Indifferent?
Gregory E Boczar, Board of Governors of the Federal Reserve System
, Board of Governors of the Federal Reserve System
  • Bank Size, Asset Growth and Problems of Capital Adequacy
Alan E Grunewald, Michigan State University
  • The Economic Necessity and Argument for Interstate Banking
Alan E Grunewald, Michigan State University
  • Two Models of the Price-Discriminating Banking Firm
, Duke University
Mark Pitts, Duke University
  • Regulation of Money Orders
Paul M Horvitz, University of Houston
Charles Harper, University of Houston
  • Study of State and Federal Regulation of Commercial Banking
Leonard Lapidus, Federal Deposit Insurance Corporation
  • Models of Risk and Capital Adequacy in Financial Institutions
Sherman J Maisel, National Bureau of Economic Research
David Lane, National Bureau of Economic Research
  • Impact of Creditors' Remedy Restrictions on the Consumer Credit Markets
Richard L Peterson, Purdue University
  • The Benefits and Costs of Public Regulations of Consumer Financial Services
Richard L Peterson, Purdue University
  • A Comparison of the Pre-Failure Characteristics of Large and Small U.S. Banks
William Scott, University of Texas at San Antonio
Gary Wood, National Bureau of Economic Research
Peter S Rose, Texas A&M University

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A Brief History of the Conference


Since the early 1960s the Federal Reserve Bank of Chicago’s Conference on Bank Structure and Competition has served as a forum for academics, regulators and industry participants to debate current issues affecting the financial services industry. Each year the purpose of the conference is to continue that tradition. This retrospective on the history and evolution of the conference reviews the past four decades of conferences.


Back To Top