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Economic Perspectives, Vol. 9, No. September/October, 1985
Bank and Thrift Performance Since DIDMCA
The financial services industry has changed dramatically over the past five years. The consumer, the regulatory agencies and the financial services industry have influenced and been influenced by these changes. However, it is unclear how much of this change is attributable to the new laws and how much to other economic and technological factors. The liberalization of FHLBB policies on advances and adjustable mortgage instruments, the decline in interest and inflation rates, technological developments and the generally improved economy may have contributed as much, if not more, to the current status and future prospects of the financial services industry.
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