The 15th 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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05/03/79
12:00 AM
I. Topics in Bank Supervision
  • Identifying Problem Banks
Mark J Flannery, University of Pennsylvania
Jack M Guttentag, University of Pennsylvania
  • Federal and State Supervision of Bank Holding Companies: Some Proposals for Change
, Hunter College of City University of New York
  • On the Cost of Double Supervision for Insured State Chartered Banks and the Implications for the Impact of Solutions to the Federal Reserve Membership Problem on the Dual Banking System
Randall J Miller, Federal Deposit Insurance Corporation
  • Comment on Miller and Shull
Robert Richard, Conference of State Bank Supervisors
12:00 AM
II. Panel Discussion of the Community Reinvestment Act
  • Comments on the Community Reinvestment Act
George J Benston, University of Rochester
  • The Community Reinvestment Act: Some Impressions
, Board of Governors of the Federal Reserve System
  • The Challenge of CRA
, Hubert Humphrey Institute at the University of Minnesota
  • The CRA: A Community Perspective
Gale Cincotta, National People's Action
  • A Lawyer Looks at the Community Reinvestment Act
, Foster, Swift, Collins & Coey, P.C.
  • Potential Benefits for the Community Reinvestment Act
Harold C Nathan, Comptroller of the Currency
  • Community Reinvestment Act
, United Virginia Bankshares
12:00 AM
III. Risk in Banking
  • Risk in Banking and Its Determinants: An Empirical Assessment
Richard W Nelson, Federal Reserve Bank of New York
  • New Evidence on the Accuracy of Bank Examiner Loan Criticisms: An Intertemporal Cross-Section Analysis
Hsui-Kwang Wu, University of Alabama
  • The Eligibility of Commercial Banks to Underwrite All Municipal Revenue Issues and the Cost of Borrowing
G O Bierwag, University of Oregon
Michael Hopewell, University of Oregon
George G Kaufman, University of Oregon
12:00 AM
IV. Panel Discussion on Pricing of Federal Reserve Services
  • Pricing of Federal Reserve Services—Introductory Remarks
Robert W Eisenmenger, Federal Reserve Bank of Boston
  • Alternative Frameworks for Analyzing the Pricing of Federal Reserve Services
James Brundy, Board of Governors of the Federal Reserve System
  • The Pricing of Fed Services: Some Thoughts on the PACS Cost System and Its Use as a Basis for Pricing Services
Harry P Guenther, Georgetown University
  • The Pricing of Federal Reserve Services
Paul M Horvitz, University of Houston
  • Pricing of Federal Reserve Services
P Michael Laub, American Bankers Association
  • Pricing of Federal Reserve Services: Some Basic Que
Wayne B Lewin, Bank Administration Institute
12:00 AM
V. Multi-Office Banking
  • The Effect of Branch Banking on Pricing, Profits and Efficiency of Unit Banks
, Board of Governors of the Federal Reserve System
, Board of Governors of the Federal Reserve System
  • Concentration in Local Banking Markets: Efficiency or Collusion?
Roger E Alcaly, Federal Reserve Bank of New York
Samuel Taddesse, Federal Reserve Bank of New York
Steven R Weisbrod, Federal Reserve Bank of New York
  • Chain Banking and Market Structure in Rural Banking Markets
James M Harvey, Federal Reserve Bank of Kansas City
  • Economic Necessity for Interstate Banking
, Michigan State University
  • Implications of the International Banking Act of 1978 for Competition in Banking
Neil J Pinsky, Federal Reserve Bank of Chicago
  • Proposed Regulation K for Edge Act Corporations and U.S. Banking Structure
Oscar R Goodman, Roosevelt University
12:00 AM
VI. Research in Progress
  • Minority Bank Membership in the Federal Reserve System: An Analysis of De Novo Minority Banks, 1970–75
Milton Esbitt, Rosary College
  • A General Equilibrium Model for Assessing the Impact of Financial Institution Structural Changes
, Indiana University
, Indiana University
Young-Jin Kim, Bowling Green State University
  • Microeconomics and Regulatory Implicatons of Holding Company and Affiliate Bank Relationships
Larry A Frieder, Florida A&M University
Vincent P Apilado, Arizona State University
  • Research at the FDIC
Gary G Gilbert, Federal Deposit Insurance Corporation
  • Compensating Balances, Lines of Credit and the Role of Interest Rate Ceilings on Deposits
Christopher James, University of Oregon
  • The Bank Entry Process
Lionel Kalish, California State University, Fullerton
Robert Michaels, California State University, Fullerton
  • Some Implications of Interest Payment on Reserves for Monetary Control
, Purdue University
  • Bank and Non-Bank Competition in Local Consumer Financial Markets
Richard L Peterson, Purdue University
David S Kidwell, Office of the Comptroller of the Currency
  • Research at the Office of the Comptroller of the Currency
  • Dominant Firms and Local Market Competition in Banking
, Board of Governors of the Federal Reserve System
  • The Expense-Preference Hypothesis: An Empirical Test
, Board of Governors of the Federal Reserve System
  • Geographic Diversification, Organizational Form and Risk in Bank-Affiliated Mortgage Companies
John T Rose, Board of Governors of the Federal Reserve System
Roger D Rutz, Board of Governors of the Federal Reserve System
  • The Financial Performance of Minority-Owned Business Firms: Perspectives for the Community Reinvestment Act
William L Scott, Board of Governors of the Federal Reserve System
Antonio Furino, University of Texas at San Antonio
Eugene Rodriguez, University of Texas at San Antonio
  • The Use of Multiple Discriminant Analysis in Analyzing Consumer Loan Applications
George M Wagner, Indiana University–Purdue University at Fort Wayne
, Indiana University–Purdue University at Fort Wayne
Chien-Ching Cho, Indiana University–Purdue University at Fort Wayne

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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