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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.

Thursday, 04/27/78
8:00 AM
I. Bank Holding Company Regulation
An Alternative Approach to Regulating Bank Holding Companies
Robert J. Lawrence, 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
Lucille S. Mayne, 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 Company
Roger D. Stover, University of Minnesota
Owner vs. Manager Control Effects on Bank Profit Rates, Growth and Costs
Cynthia A. Glassman, 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 PM
II. Topics in Financial Regulation
Regulation of Loan Commitments
Steven A. Seelig, Fordham University
James Young, 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
1:00 PM
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
3:00 PM
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.
4:00 PM
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
Friday, 04/28/78
8:00 AM
VI. Research in Progress
The Role of Corporate Securities in Commercial Banks: Liquidity, Profitability, and Risk Factors
Douglas V. Austin, University of Toledo
Bank Holding Company Double Leverage: Good, Bad or Indifferent?
Gregory E. Boczar, Board of Governors of the Federal Reserve System
Samuel H. Talley, 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
Thomas Havrilesky, 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

 

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.

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Event Information
Event Contact
Blanca Sepulveda
(312) 322-8340
Email
Date
04/27/78  - 04/28/78
Location
The Fairmont Chicago Hotel
200 N Columbus Dr
Chicago, Illinois 60601
Map


Federal Reserve Bank of Chicago, 230 South LaSalle Street, Chicago, Illinois 60604-1413, USA. Tel. (312) 322-5322

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