Financial Services Regulatory Relief in the 109th Congress: H.R. 3505 and S. 2856

Eubanks, Walter W.

Library of Congress. Congressional Research Service.

关键词: Finance;    Bank mergers - Economic aspects;    Financial deregulation;   

RP-ID  :  RL33513
RP-ID  :  RL33513_2006Jul24

美国|英语

来源: UNT Digital Library

【 摘 要 】

This report gives an overview of the major regulatory relief provisions in H.R. 3505 and S. 2856, focusing on their potential impact on bank concentration. The report examines both bills’ provisions to assess whether they are likely to support or discourage bank consolidation. The consolidation of the banking industry arguably reduces competition, which could tend to raise the price of banking services. On the other hand, there is empirical evidence that shows economies of scale in banking, including economies in complying with banking regulations, suggesting larger banks might be able to provide banking services at lower cost than smaller banks.