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Assessing a Decade of Interstate Bank Branching


Tara Rice


Board of Governors of the Federal Reserve System

Christian A. Johnson


University of Utah College of Law

March 2007

FRB of Chicago Working Paper No. 2007-03

Abstract:     
U.S. banking regulation has historically prohibited the ability of a bank to open or own a branch located outside of its home state, commonly referred to as interstate branching. Only since the passage of the Riegle-Neal Interstate Banking and Branching Efficiency Act (IBBEA) in 1994 have banks have been able to engage in interstate branching, though subject to state restrictions. Despite IBBEA's removal of branching barriers, it still allowed the states to impose restrictions on the entry of out-of-state branch offices. This article describes the changes in Federal and state interstate branching law since passage of IBBEA and reviews how initial (1994-1997) and evolving (1998-2004) interstate branching laws affect out-of-state branch growth. It concludes that anticompetitive state provisions restricted out-of-state growth when those provisions were more restrictive than the provisions set by IBBEA or by neighboring states.

Number of Pages in PDF File: 46

Keywords: Riegle-Neal Interstate Banking and Branching Efficiency Act, interstate branching, out-of-state entry

JEL Classification: G11, G28

working papers series


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Date posted: April 20, 2007  

Suggested Citation

Rice, Tara and Johnson, Christian A., Assessing a Decade of Interstate Bank Branching (March 2007). FRB of Chicago Working Paper No. 2007-03. Available at SSRN: http://ssrn.com/abstract=981214 or http://dx.doi.org/10.2139/ssrn.981214

Contact Information

Tara Rice (Contact Author)
Board of Governors of the Federal Reserve System ( email )
20th Street and Constitution Avenue NW
Washington, DC 20551
United States
Christian A. Johnson
University of Utah College of Law ( email )
332 S. 1400 East Front
Salt Lake City, UT 84112-0730
United States

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