The 12th Annual Conference on Bank Structure & Competition

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.


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05/06/76
12:00 AM
I. Innovation and Technological Change
  • An Analysis of EFTS Activity Levels, Costs and Structure in the United States
, Federal Deposit Insurance Corporation
12:00 AM
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
12:00 AM
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
12:00 AM
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
12:00 AM
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
12:00 AM
VI. Roundtable on Expanded Thrift Institution Powers
  • Expanded Powers for Thrift Institutions: Superthrift vs. Superlobbyist
, Ohio State University
  • Expanded Powers for Thrift Institutions
, 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
12:00 AM
VII. Roundtable on Foreign Banking Competition
  • The Size and Growth of the U.S. Activities of Foreign Banks
, 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
12:00 AM
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
, 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
, 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

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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.


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