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A Current Evaluation of U.S. Banking Legislation: The Federal Deposit Insurance Corporation Improvement Act and Its Performance in Terms of Financial Services Industry Impacts

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  • Richard J. Cebula

Abstract

This study describes the principal provisions in the Federal Deposit Insurance Corporation Improvement Act of 1991. The study then empirically investigates the impact of this statute on bank and savings and loan failures. The empirical findings indicate that, because of the changes brought about by this legislation, both the bank failure rate and the savings and loan failure rate declined significantly.

Suggested Citation

  • Richard J. Cebula, 1999. "A Current Evaluation of U.S. Banking Legislation: The Federal Deposit Insurance Corporation Improvement Act and Its Performance in Terms of Financial Services Industry Impacts," Swiss Journal of Economics and Statistics (SJES), Swiss Society of Economics and Statistics (SSES), vol. 135(II), pages 145-164, June.
    • Handle: RePEc:ses:arsjes:1999-ii-2
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    Cited by:

    1. Richard J. Cebula, 2011. "Impact of Banking Statutes, Housing-Market, Economic, and Financial Conditions on Bank Failures in the U.S, 1970-2008: GARCH Estimates," International Journal of Financial Research, International Journal of Financial Research, Sciedu Press, vol. 2(1), pages 23-30, March.
    2. Cebula, Richard & McGrath, Richard & Perry, William, 2002. "Empirical Analysis of Determinants of Geographic Differentials in the Bank Failure Rate in the U.S.: A Heteroskedastic-Tobit Estimation," MPRA Paper 60169, University Library of Munich, Germany.
    3. Cebula, Richard, 2000. "Determinants of the Rate of Return on Commercial Bank Assets in the United States, 1959-1998," MPRA Paper 60006, University Library of Munich, Germany.

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