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Economic Perspectives, 4, No. 3, 1978
Convenience and Needs: A Post-audit Survey
Review of bank holding company applications submitted in the Seventh Federal Reserve District during the first half of the 1970s shows that, on average, holding companies made few firm commitments to change or expand services of the banks they acquired. It appears, however, that where changes were proposed, the holding companies carried through with the proposals. Compliance with proposed changes tended to benefit the banking public by leading to longer banking hours and improved bank facilities.


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