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Economic Perspectives, Vol. 18, 2nd, No. 3, May 1994
Is banking a declining industry? A historical perspective
Regulation has been widely blamed for contributing to the decline of the commercial banking industry in the United States. Before one can evaluate the truth or falsity of this accusation, it is necessary to determine whether banking is indeed a declining industry. To answer this question, we examine a number of different measures of changes in the size of the banking industry in the United States during the twentieth century.
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