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Change-Point Analysis of the Growth Effects of State Banking Deregulation


  • Donald G. Freeman


This article uses recent developments in change-point analysis to demonstrate that stronger income growth rates previously associated with state bank branch deregulation were in all cases temporary rather than permanent. In addition, patterns of temporal ordering across regions suggest that in many states deregulation was a response to economic conditions rather than the reverse. (JEL E44, G28) Copyright 2005, Oxford University Press.

Suggested Citation

  • Donald G. Freeman, 2005. "Change-Point Analysis of the Growth Effects of State Banking Deregulation," Economic Inquiry, Western Economic Association International, vol. 43(3), pages 601-613, July.
  • Handle: RePEc:oup:ecinqu:v:43:y:2005:i:3:p:601-613

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    Cited by:

    1. José Manuel Pastor & José Manuel Pavía & Lorenzo Serrano & Emili Tortosa-Ausina, 2016. "Rich regions, poor regions and bank branch deregulation in Spain," Working Papers 2016/02, Economics Department, Universitat Jaume I, Castellón (Spain).
    2. Thomas A. Garrett & Gary A. Wagner & David C. Wheelock, 2005. "Regional disparities in the spatial correlation of state income growth," Working Papers 2005-061, Federal Reserve Bank of St. Louis.

    More about this item

    JEL classification:

    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation


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