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Chicago Fed Letter, No. 157a, September 2000
Changing Financial Industry Structure and Regulation (Special Issue)

On May 3–5, 2000, the Federal Reserve Bank of Chicago held its 36th annual Conference on Bank Structure and Competition, focusing on the changing financial industry structure and regulation. As barriers to geographic expansion have been removed, there has been a significant increase in the number and size of bank mergers in the U.S. Between 1990 and 1999, bank mergers and acquisitions averaged about 550 per year compared with 345 per year in 1980–89. As a result, the number of banks operating in the U.S. has declined about 30% since 1990.

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