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The 12th Annual Conference on Bank Structure & Competition

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Since the early 1960s, the Federal Reserve Bank of Chicago’s Conference on Bank Structure and Competition has served as a forum for academics, regulators and industry participants to debate current issues affecting the financial services industry. Each year the purpose of the conference is to continue that tradition. This retrospective on the history and evolution of the conference reviews the past four decades of conferences.

 

The primary motivating factor for the conference was the passage of the 1960 Bank Merger Act and the U.S. versus Philadelphia National Bank Supreme Court decision. Suddenly, bank regulatory agencies were required to consider competitive factors in addition to banking factors when evaluating bank merger applications. Each of the Federal Reserve Banks was encouraged to survey the existing literature on bank structure and develop its own research agendas on these issues.

05/06/76
 
I. Innovation and Technological Change
  • An Analysis of EFTS Activity Levels, Costs and Structure in the United States

David A. Walker ,  Federal Deposit Insurance Corporation

 
II. Issues in Financial Disclosure
  • Disclosure and Risk Taking by Firms

James R. Morris,  University of Pennsylvania

  • Predicting Net Loan Losses Using Disclosed and Undisclosed Bank Data: A Comparison

David R. Graham,  Board of Governors of the Federal Reserve System

David B. Humphrey,  Board of Governors of the Federal Reserve System

 
III. Selected Papers
  • Changes in Seller Concentration in Banking Markets

B. Frank King,  Federal Reserve Bank of Atlanta

  • Effects of Holding Company Affiliation on De Novo Ban

Jack S. Light,  Federal Reserve Bank of Chicago

  • Removing Deposit Interest Ceilings: An Analysis of Deposit Flows, Portfolio Response and Income Effects in Boston Cooperative Banks

Neil B. Murphy,  University of Maine

  • Branch Banking and the Availability of Banking Services: A Cluster Analysis

William L. Seaver,  Louisiana Tech University

Donald R. Fraser,  Texas A&M University

  • Local Banking Markets, Structure and Conduct in Rural Areas

Richard W. Stolz,  Federal Reserve Bank of Minnesota

 
IV. Roundtable on Restructuring the Bank Regulatory Agencies
  • State Administration of Deposit Ceiling Rates

Richard C. Aspinwall,  Chase Manhattan Bank

  • Reorganization of the Bank Supervisory Agencies

Larry R. Mote,  Federal Reserve Bank of Chicago

  • Financial and Regulatory Reform: Perspectives and Prospects

Robert A. Eisenbeis,  Board of Governors of the Federal Reserve System

 
V. Roundtable on Financial Disclosure
  • Financial Disclosure

Thomas A. Sidman,  Board of Governors of the Federal Reserve System

  • Financial Disclosure

Jack Guttentag,  University of Pennsylvania

  • Financial Disclosure: The Commercial Bank Perspective

David Gilbert,  First Pennsylvania Corporation

 
VI. Roundtable on Expanded Thrift Institution Powers
  • Expanded Powers for Thrift Institutions: Superthrift vs. Superlobbyist

Edward J. Kane ,  Ohio State University

  • Expanded Powers for Thrift Institutions

H. Robert Bartell, Jr.,  Federal Home Loan Bank of Chicago

  • Issues in Expanding Thrift Institution Powers

Richard C. Aspinwall,  Chase Manhattan Bank

  • Variable Rate Residential Mortgages: The Early Experience from California

George Kaufman,  University of Oregon

 
VII. Roundtable on Foreign Banking Competition
  • The Size and Growth of the U.S. Activities of Foreign Banks

Henry S. Terrell ,  Board of Governors of the Federal Reserve System

  • Regulation of Activities of Foreign Banks in the United States

Joseph G. Kvasnicka,  Federal Reserve Bank of Chicago

  • Issues on Foreign Banking in the United States

Gary G. Gilbert,  Federal Deposit Insurance Corporation

 
VIII. Research in Progress
  • The Tenth Review of Banking Legislation in Canada: The Changing Role of the Banks in Society

Gordon F. Boreham,  University of Ottawa

  • Performance of Inner City Banks: Chicago as a Case Stu

Kent Currie,  Illinois Institute of Technology

Milton Esbitt,  Illinois Institute of Technology

Norman Nicholson,  Illinois Institute of Technology

  • Economic Research at the Office of the Comptroller of the Currency

R. R. Dince,  Office of the Comptroller of the Currency

  • Structural Issues in the Revision of Canadian Banking Legislation

J. A. Galbraith,  Sun Life Assurance Company of Canada

A. L. Guthrie,  Sun Life Assurance Company of Canada

  • State-Imposed Limitations on Multibank Holding Company Growth

Katharine Gibson,  Federal Reserve Bank of Boston

Steven J. Weiss,  Massachusetts Department of Banks

  • Determinants of Concentration in Banking Markets

R. Alton Gilbert,  Federal Reserve Bank of St. Louis

Gerald P. Dwyer, Jr.,  University of Chicago

  • Commercial Banking as a Distinct Line of Commerce

Alan E. Grunewald,  Michigan State University

  • Identifying Failing Banks and Bank Holding Companies: A Comparison of Publicly Available Data with that from Confidential Sources

Gerald A. Hanweck,  Board of Governors of the Federal Reserve System

  • Research in Progress at the Federal Reserve Bank of Chicago

Chayim Herzig-Marx,  Federal Reserve Bank of Chicago

  • The Banking Crisis of 1933—A Critical Reassessment

John J. Holland,  Fordham University

  • Affiliated Banks and Potential Competition

Benjamin J. Klebaner,  City University of New York

  • Evolution of the Structure of the Brazilian Banking System: 1966–74

Antonio Chagas Meirelles,  Brazilian Ministry of Finance

  • Research at the Federal Reserve Bank of New York

Richard W. Nelson,  Federal Reserve Bank of New York

  • Banking Structure Regulations: A Location Theory Approach

Andrew J. Policano,  University of Iowa

  • Quantitative Differences in Rural Bank Performance Associated with Holding Company Ownership

Alan K. Reichert,  Indiana University at Fort Wayne

David E. Hahn,  Ohio State University

Warren F. Lee,  Ohio State University

  • Research in Progress at the Federal Reserve Bank of Atlanta

Joe Rossman,  Federal Reserve Bank of Atlanta

  • The Compositional Impact of the Bank Holding Company Sector

Peter S. Rose,  Texas A&M University

William L. Scott,  University of Texas at San Antonio

  • Aggregate Concentration and the Bank Holding Company Movement

Steven A. Seelig,  Fordham University

  • The Impact of Commercial Banks on Savings and Loan Markets

Lewis J. Spellman,  University of Texas at Austin

  • A Probabilistic Approach for the Development of Improved Techniques for Early Warning

David Stuhr ,  Rutgers University and Federal Reserve Bank of New York

  • Research in Progress at the Board of Governors of the Federal Reserve System

Donald P. Tucker,  Board of Governors of the Federal Reserve System

  • Loan Classification, Loan Loss and Recovery, Adequacy of Bank Bad Debt Reserve and Capital and SEC Disclosure Requirements Related to Banks: A Progress Report

Hsiu-Kwang Wu,  University of Alabama

  • Gibrat's Law and the Size Distribution of North Carolina Banks

William P. Yohe,  Duke University

Robert L. Schweitzer,  University of North Carolina at Chapel Hill

 

A Brief History of the Conference


Since the early 1960s the Federal Reserve Bank of Chicago’s Conference on Bank Structure and Competition has served as a forum for academics, regulators and industry participants to debate current issues affecting the financial services industry. Each year the purpose of the conference is to continue that tradition. This retrospective on the history and evolution of the conference reviews the past four decades of conferences.

Event Information
Date
05/06/76 - 05/07/76
Location
The Fairmont Chicago Hotel
200 N Columbus Dr
Chicago, Illinois 60601