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U.S. Deposit Insurance Reform




Congress, late in 1991, enacted a banking reform measure that (i) authorizes $70 billion of additional FDIC funding, (ii) enhances bank regulation and supervision, and (Hi) adopts a "trip wire" system for increasingly severe regulation based on a bank's capital. Congress rejected a number of key elements of the Treasury proposal submitted early in 1991, such as interstate banking and expanded bank powers. The Congressional action does not end the debate over banking reform. In due time, other attempts likely will be made to restructure the banking system along the lines of the Treasury proposal. Copyright 1992 Western Economic Association International.

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  • Thomas F. Cargill & Thomas Mayer, 1992. "U.S. Deposit Insurance Reform," Contemporary Economic Policy, Western Economic Association International, vol. 10(3), pages 95-103, July.
  • Handle: RePEc:bla:coecpo:v:10:y:1992:i:3:p:95-103

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    References listed on IDEAS

    1. Kane, Edward J, 1981. "Accelerating Inflation, Technological Innovation, and the Decreasing Effectiveness of Banking Regulation," Journal of Finance, American Finance Association, vol. 36(2), pages 355-367, May.
    2. Sarah B. Kendall & Mark E. Levonian, 1991. "A simple approach to better deposit insurance pricing," Proceedings 335, Federal Reserve Bank of Chicago.
    3. Allan H. Meltzer, 1967. "Major Issues in the Regulation of Financial Institutions," Journal of Political Economy, University of Chicago Press, vol. 75, pages 482-482.
    4. Berger, Allen N. & King, Kathleen Kuester & O'Brien, James M., 1991. "The limitations of market value accounting and a more realistic alternative," Journal of Banking & Finance, Elsevier, vol. 15(4-5), pages 753-783, September.
    5. Kendall, Sarah B. & Levonian, Mark E., 1991. "A simple approach to better deposit insurance pricing," Journal of Banking & Finance, Elsevier, vol. 15(4-5), pages 999-1018, September.
    6. Edward J. Kane, 1985. "The Gathering Crisis in Federal Deposit Insurance," MIT Press Books, The MIT Press, edition 1, volume 1, number 0262611856, January.
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    Cited by:

    1. Robert A. Taggart, Jr., 1982. "Effects of Regulation on Utility Financing: Theory and Evidence," NBER Working Papers 0866, National Bureau of Economic Research, Inc.
    2. John R. Walter & Walter A. Varvel, 1976. "FDIC policy toward bank failures," Economic Review, Federal Reserve Bank of Richmond, issue Sep, pages 3-12.
    3. Yair E. Orgler & Robert A. Taggart, Jr., 1981. "Implications of Corporate Capital Structure Theory for Banking Institutions," NBER Working Papers 0737, National Bureau of Economic Research, Inc.
    4. Cornett, Marcia Millon & Davidson, Wallace III & Rangan, Nanda, 1996. "Deregulation in investment banking: Industry concentration following Rule 415," Journal of Banking & Finance, Elsevier, vol. 20(1), pages 85-113, January.
    5. Edward Kane, 1997. "Ethical Foundations of Financial Regulation," Journal of Financial Services Research, Springer;Western Finance Association, vol. 12(1), pages 51-74, August.
    6. Soon-Jae Lee & Michael L. Smith, "undated". "Property-Casualty Insurance Guaranty Funds And Insurer Vulnerability To Misfortune," Research in Financial Economics 9616, Ohio State University.
    7. Catherine England, 1994. "Regulatory Restructuring: Resolving the Fed's Conflicting Roles," Cato Journal, Cato Journal, Cato Institute, vol. 13(3), pages 367-385, Winter.

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