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The case for interstate branch banking

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  • David L. Mengle
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    Abstract

    During the 1980’s, many states relaxed laws restricting branching, and most states opened up their borders to entry by out-of-state bank holding companies. This article suggests that both banks and consumers would benefit if laws were further modified to permit bank holding companies to consolidate their interstate subsidiaries into branch networks. While such a change is likely to lead to a smaller number of large banks (although those remaining would operate nationwide), there would probably be little change in the number of small banks serving local markets.

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    File URL: http://www.richmondfed.org/publications/research/economic_review/1990/pdf/er760601.pdf
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    Bibliographic Info

    Article provided by Federal Reserve Bank of Richmond in its journal Economic Review.

    Volume (Year): (1990)
    Issue (Month): Nov ()
    Pages: 3-17

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    Handle: RePEc:fip:fedrer:y:1990:i:nov:p:3-17:n:v.76no.6

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    Keywords: Interstate banking ; Branch banks;

    References

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    1. Flannery, Mark J & James, Christopher M, 1984. "Market Evidence on the Effective Maturity of Bank Assets and Liabilities," Journal of Money, Credit and Banking, Blackwell Publishing, Blackwell Publishing, vol. 16(4), pages 435-45, November.
    2. Sydney J. Key, 1989. "Mutual recognition: integration of the financial sector in the European Community," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), Board of Governors of the Federal Reserve System (U.S.), issue Sep, pages 591-609.
    3. Evanoff, Douglas D, 1988. "Branch Banking and Service Accessibility," Journal of Money, Credit and Banking, Blackwell Publishing, Blackwell Publishing, vol. 20(2), pages 191-202, May.
    4. Calomiris, Charles W., 1990. "Is Deposit Insurance Necessary? A Historical Perspective," The Journal of Economic History, Cambridge University Press, Cambridge University Press, vol. 50(02), pages 283-295, June.
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    Cited by:
    1. Krol, Robert & Svorny, Shirley, 1996. "The effect of the bank regulatory environment on state economic activity," Regional Science and Urban Economics, Elsevier, Elsevier, vol. 26(5), pages 531-541, August.
    2. Hubert P. Janicki & Edward S. Prescott, 2006. "Changes in the size distribution of U.S. banks: 1960-2005," Economic Quarterly, Federal Reserve Bank of Richmond, Federal Reserve Bank of Richmond, issue Fall, pages 291-316.

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