Bank Regulation in the United States: Understanding the Lessons of the 1980s and 1990s

36 Pages Posted: 31 Oct 2008

See all articles by Lawrence J. White

Lawrence J. White

New York University (NYU) - Leonard N. Stern School of Business, Department of Economics

Date Written: October 1999

Abstract

Despite two decades of extensive deregulation, banks in the United States remain among the most heavily regulated entities in the U.S. economy. Partly, banks remain a prominent target for American populism and its political manifestations; but also important is the general recognitionthat one specific category of bank regulation safety-and-soundness (prudential) regulation is a crucial element in preserving the stability of the banking system and contributing to the health of the U.S. economy. This paper expands on that theme and discusses the important lessons and insights that can be gained from the experiences of the banking sector and of safety-and-soundness regulation during the past two decades.

Suggested Citation

White, Lawrence J., Bank Regulation in the United States: Understanding the Lessons of the 1980s and 1990s (October 1999). NYU Working Paper No. EC-00-02. Available at SSRN: https://ssrn.com/abstract=1292681

Lawrence J. White (Contact Author)

New York University (NYU) - Leonard N. Stern School of Business, Department of Economics ( email )

44 West 4th Street
Suite 9-160
New York, NY NY 10012
United States

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