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Economic Perspectives, Vol. 7, No. March/April, 1983
The Garn-St Germain Depository Institutions Act of 1982
The Garn-St Germain Act has been called the most significant legislation for depository institutions since the 1930s. While this is an exaggeration, the act is important, particularly for thrift institutions. In the Seventh District, as in most of the Midwest, savings and loan associations, commercial banks and bank holding companies are the principal competitors. This special issue is devoted to summarizing the content of the law and assessing its impact on those institutions.

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

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