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Topic: Bank regulation

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	Bank regulation - Wikipedia, the free encyclopedia
		Bank regulations are a form of government regulation which subjects banks to certain requirements, restrictions and guidelines, aiming to uphold the soundness and integrity of the financial system.
		Regulates certain early withdrawals from certificate of deposit accounts.
		In 2004 deposits in United States banks were roughly $8 trillion while central bank "reserves of depository institutions" were less than $50 billion.
	en.wikipedia.org /wiki/Bank_regulation (802 words)

	Bank - Wikipedia, the free encyclopedia
		The Bank of Taiwan in Taipei, Republic of China was formerly the central bank of Taiwan Province and issued the New Taiwan dollar.
		Banking licenses are granted by bank regulatory authorities and provide rights to conduct the most fundamental banking services such as accepting deposits and making loans.
		Bank reserves are typically kept in the form of a deposit with a central bank.
	en.wikipedia.org /wiki/Bank (2208 words)

	SUBORDINATED DEBT: A CAPITAL MARKETS APPROACH TO BANK REGULATION
		Banks are distinctive in that they tend to have relatively little equity when compared to other firms—banks tend to receive ninety percent of their capital funding from debt.
		Bank runs have been viewed as potentially troubling not only because of their capacity to harm otherwise healthy and well-managed banking institutions on an individual basis, but also because individual bank failures pose a systemic risk to the banking system and the broader economy.
		Bank regulators will easily be able to monitor these prices and could impose restrictions on banks with falling debt prices similar to those dictated by the prompt corrective action rules—restrictions on payment of dividends, acquisition of assets and engagement in new lines of business.
	www.bc.edu /bc_org/avp/law/lwsch/journals/bclawr/41_2/01_TXT.htm (16808 words)

	[No title]
		After all, with record profits and strong capitalization, the banking industry is in its best condition in years, and recent changes in bank regulation will certainly help avoid a repeat of the problems of the last decade.
		Banks bear not only the direct costs of complying with regulations, but also the indirect costs of regulations that could put them at a disadvantage to other types of financial institutions.
		Specifically, banks that have deposits at correspondents who are classified as less than adequately capitalized must limit their interday credit exposure to no more than 25 percent of their capital.
	www.kc.frb.org /spch&bio/bankreg2.txt (2416 words)

	FRB: Testimony, Greenspan--Bank regulation--March 11, 2005
		Banking supervision is intended to be flexible and to be carried out case by case; it is designed to limit--not eliminate--the risk of failure.
		Regulations, on the other hand, prescribe and proscribe what must be done and what may not be done in specific areas, and most reflect past events.
		Bank regulations and supervisory oversight are designed to reinforce the building of systems and the development and application of bank policies, both of which are to highlight for management what could be suspicious or unlawful activity by customers and employees, the basis of the SARs reports.
	www.federalreserve.gov /boarddocs/speeches/2005/20050311/default.htm (2382 words)

	Bank Regulation and Supervision
		Banks that mobilize and allocate savings efficiently, allocate capital to endeavors with the highest expected social returns, and exert sound governance over funded firms foster innovation and growth.
		Well-functioning banks that extend credit to those with the best projects, rather than to the wealthy or to those with familial, political, or corrupt connections, exert an equalizing affect on the distribution of income and a disproportionately positive impact on the poor by de-linking good ideas and ability from past accumulation of wealth and associations.
		We have not exploited all aspects of the database on bank regulation and supervision and considerably more research is needed on designing strategies for reforming banking policies in ways that enhance the operation of banks and improve social welfare.
	www.nber.org /reporter/fall05/levine.html (2400 words)

	Proposed Rule: Regulation B; Release No. 34-49879; International Series Release No. 1278; File No. S7-26-04; June 17, ...
		Non-bank affiliates of banks are not subject to the same level of regulation as banks, and such entities were not exempted from the Exchange Act's broker-dealer registration requirements by the general exemption that the GLBA replaced with limited, functional exceptions for banks.
		Banks that believe they will need additional flexibility for their personal trust and retirement business should provide a detailed explanation of the type of relief they believe would be useful and discuss the sources of their compensation in connection with that business.
		A bank intending to qualify for the exception would need to rely on its banking regulator to ensure that all of its activities that constitute effecting securities transactions are regularly examined for compliance with fiduciary principles and standards.
	www.sec.gov /rules/proposed/34-49879.htm (14959 words)

	Financial Regulation
		This project includes the first comprehensive, cross-country survey of how banks are regulated and supervised, including requirements and regulatory powers regarding bank entry, ownership, capital, powers and activities, auditing, organization, liquidity, provisioning, accounting and disclosure, incentives for supervisors, deposit insurance, and disciplining powers including bank exit.
		The Regulation and Supervision of Banks Around the World: A New Database, by James R.
		Bank Regulation and Supervision: What Works Best," by James R. Barth, Gerard Caprio, Jr., and Ross Levine, (443kb).
	www.worldbank.org /research/projects/bank_regulation.htm (195 words)

	Foundation for Teaching Economics \| Banking and Bank Regulation
		The period of relatively unregulated banking between the demise of the second Bank of the United States and the creation of the Federal Reserve in 1913 is known as the Free Banking Era
		A common and rather effective control measure was that banks were required to purchase bonds to back their note issues and deposit these bonds with the state banking authority if a bank failed, the bonds would be sold and the proceeds would be used to pay the note holders
		Bank Note monitors were published regularly by private companies; these listed the values of notes issued by all U.S. banks and other information, giving customers and users of bank money the information they needed to choose banks and deal with bank money
	www.fte.org /teachers/programs/history/lessons/lesson06.htm (1044 words)

	MilkenInstitute.Org > Publications > Rethinking Bank Regulation: Till Angels Govern (Site not responding. Last check: 2007-11-03)
		It offers the first comprehensive cross-country assessment of the impact of bank regulation on the operation of banks, and assesses the validity of the Basel Committee’s influential approach to bank regulation.
		The authors also provide an empirical evaluation of the historic debate about the proper role of government in the economy by studying bank regulation and analyzes the role of politics in determining regulatory approaches to banking.
		The data indicate that restrictions on the entry of new banks, government ownership of banks and restrictions on bank activities hurt banking-system performance.
	www.milkeninstitute.org /publications/publications.taf?function=detail&ID=465&cat=Books (449 words)

	Bank regulation and the credit crunch
		This study investigates the direct link between regulatory enforcement actions and the shrinkage of bank loans to sectors likely to be bank dependent.
		Controlling for weakness in loan demand, previous studies have been able to attribute part of this bank shrinkage to loan supply, with the degree of a bank’s shrinkage related to its capital-to-asset ratio.
		We find that banks with formal actions shrink at a significantly faster rate than those without, even after controlling for differences in capital-to-asset ratios.
	ideas.repec.org /p/fip/fedbwp/93-2.html (331 words)

	Commissioner of Financial Regulation
		The Maryland Office of Financial Regulation is the primary regulator for many State-chartered financial institutions, including, banks, credit unions, and trust companies, and State-licensed financial entities such as, consumer finance companies, mortgage lenders and brokers, consumer debt collection agencies, check cashers, and money transmitters.
		The Office is responsible for supervising the activities of these businesses to ensure compliance with the financial institution laws and regulations of Maryland.
		Each year, the Office handles numerous corporate applications from the banking industry, including formation of new banks, charter conversions, mergers and acquisitions, affiliates, trust powers, foreign bank offices, branches, etc. The Office is also responsible for issuing licenses to consumer lenders, mortgage lenders, check cashers, debt management companies, and money transmitters.
	www.dllr.state.md.us /finance (192 words)

	Amazon.com: Principles of Bank Regulation (Hornbook Series Student Edition): Books: Michael P. Malloy (Site not responding. Last check: 2007-11-03)
		Comprehensive, yet intelligible treatment of the basic rules, principles, statutes, and issues governing the law of bank regulation.
		Examines the rapid pace of development in depository institution regulation, and how federal statutes governing banking have been subject to constant amendment in recent years.
		Detailed sections discuss: the regulated environment of banking, entry rules, branching, control transactions, transactional rules, holding company activities, securities regulation, resolution of institution failures, international banking, and bank regulation and social policy.
	www.amazon.com /exec/obidos/tg/detail/-/0314265139?v=glance (542 words)

	Oregon DFCS Banks and Trust Companies
		As of Dec. 31, 2005, there were 39 state-chartered banks with 385 offices.
		There were 6 trust companies and/or bank trust departments providing trust services in Oregon.
		Banks Resuming Operations in Hurricane-Affected Areas Chairman to Tour Areas Hit by Storm, Meet with State Banking Commissioners - 09/7/05
	www.cbs.state.or.us /dfcs/banks_trusts.html (358 words)

	Rural Development Bank Regulation 1967
		Branches and agencies of the Rural Development Bank shall be open for transaction of business on such days, and during such hours, as the Bank determines.
		The Rural Development Bank may require a person who wishes to transact banking business with the Bank to furnish to the Bank particulars of his name, address and occupation and such other particulars as, in the opinion of the Bank, are necessary to enable the Bank to conduct the business properly.
		The Rural Development Bank shall maintain for each borrower separate accounts, in such a manner as to reflect, to the best of the ability of the Bank, full and accurate details of the state of the loan from time to time.
	www.worldlii.org /pg/legis/consol_act/rdbr1967321 (1031 words)

	Utility Regulation Resources - Private Sector Development - The World Bank Group
		Customers fear that firms will use their market power to overcharge, and firms fear governments will use their regulatory power to prevent them from covering their costs.
		Electricity: Design and regulation of electricity markets, and independent power generation and project financing.
		Explore World Bank guides to the privatization and regulation of infrastructure.
	rru.worldbank.org /Themes/UtilityRegulation (268 words)

	Amazon.com: Regulation of Bank Financial Service Activities: Cases And Materials (American Casebook): Books: Lissa L. ... (Site not responding. Last check: 2007-11-03)
		Provides a comprehensive overview of nearly every aspect of banking regulation from its history, to federal and state regulation, to international regulatory issues.
		Contains individual chapters on the securities, derivatives and insurance activities of banks and their "functional" regulation by non-banking regulators under the Gramm-Leach-Bliley Act (GLBA).
		Professor of Law and Director, Center for Banking and Finance, University of North Carolina at Chapel Hill --This text refers to the Hardcover edition.
	www.amazon.com /exec/obidos/tg/detail/-/0314151370?v=glance (474 words)

	State of Illinois \| Department of Financial and Professional Regulation
		IDFPR is committed to protecting Illinois citizens in their dealing with the industries and professions that IDFPR regulates and licenses.
		This database offers information on professionals who hold a professional license in the State of Illinois and are regulated by this division.
		Financial advisors recommend that families periodically re-assess their insurance needs and the Illinois Department of Financial and Professional Regulation (IDFPR) Division of Insurance, in coordination with the National Association of Insurance Commissioners (NAIC) is offering several tools to help Illinois families decide how much and what kind of insurance they need..
	www.idfpr.com (419 words)

	SSRN-References Cited 'Multinational Bank Capital Regulation with Deposit Insurance and Diversification Effects' by ... (Site not responding. Last check: 2007-11-03)
		Bank for International Settlements (2001), The Banking Industry in the Emerging Market Economies: Competition, Consolidation and Systemic Stability, Papers 4, BIS, Basle.
		Basle Committee on Banking Supervision (1992), The Insolvency Liquidation of a Multinational Bank, Technical report, Bank for International Settlements, Basle.
		MULTINATIONAL BANK REGULATION Holthausen, C. and T. Rønde (2002), Cooperation in International Banking Supervision: A Political Economy Approach, Mimeo, European Central Bank, Frankfurt, Germany.
	papers.ssrn.com /sol3/RefUsedIn.cfm?abid=420440 (755 words)

	Bank Regulation (Site not responding. Last check: 2007-11-03)
		Search For Bank Regulation - Find results for bank regulation and anything else you are looking for instantly!
		Information About Bank Regulation - Banks are subject to certain bank regulations and requirements that aim to uphold the soundness and integrity of the financial system.
		Online Banking Deals And Servcies - Search for resource and get top online banking services with auto loans, home equity loans, credit cards, mortgage loans, Realty Services, personal oans, refinance loans and credit reports.
	www.shikoj.com /bank-regulation (246 words)

	OCC: Careers at the OCC (Site not responding. Last check: 2007-11-03)
		The OCC hires experienced professionals, usually with backgrounds in specialty areas in banking and finance.
		As a Federal subcomponent, OCC was rated #6 in overall rankings and was rated #1 with women in terms of workplace satisfaction.
		The Office of the Comptroller of the Currency was created by Congress to charter national banks, to oversee a nationwide system of banking institutions, and to assure that national banks are safe and sound, competitive and profitable, and capable of serving in the best possible manner the banking needs of their customers.
	www.occ.treas.gov /jobs/careers.htm (200 words)

	Brad DeLong's Semi-Daily Journal: Rethinking Bank Regulation
		James R. Barth, Gerard Caprio Jr., and Ross Levine (2006), Rethinking Bank Regulation; Till Angels Govern_ (Cambridge: Cambridge University Press: 0521855764).
		It provides striking evidence (using a unique data set created at the World Bank) that strengthening the discretionary powers of prudential supervisors in countries with weak institutional environments leads to a lower level of bank development, greater corruption in lending, and banks that are less safe and sound.
		Following the Basel II recommendation of strengthening supervisory powers, therefore, may do more harm than good in developing countries, unless it is accompanied by substantial progress in institutional development.
	delong.typepad.com /sdj/2006/01/rethinking_bank.html (444 words)

	Data & Research
		The surging flows coincided with 6.4 percent economic growth in the developing world last year, more than double the 2.8 percent growth in developed countries.
		New volume on Banking Regulation assembles and presents a new database on bank regulation...
		It also offers the first comprehensive cross-country assessment of the impact of bank regulation on the operation of banks
	econ.worldbank.org (283 words)

	Amazon.co.uk: Rethinking Bank Regulation: Till Angels Govern: Books (Site not responding. Last check: 2007-11-03)
		Buy Rethinking Bank Regulation: Till Angels Govern with Economic Origins of Dictatorship and Democracy: Ec...
		The treatment also provides an empirical evaluation of the historic debate about the proper role of government in the economy by studying bank regulation and analyzes the role of politics in determining regulatory approaches to banking.
		The data also indicate that restrictions on the entry of new banks, government ownership of banks, and restrictions on bank activities hurt banking system performance.
	www.amazon.co.uk /exec/obidos/ASIN/0521855764 (465 words)

	Table of contents for Rethinking bank regulation (Site not responding. Last check: 2007-11-03)
		Private Interest View of Regulation 2.B Bank regulation: how 2.C The Basel Committee and Regulatory Convergence 2.D Conclusion 3.
		4.A Goals and Boundaries 4.B Bank Regulation and Supervision and Bank Development 4.C Bank Supervision, Regulation, and Stability 4.D Bank Supervision, Regulation, and Bank Efficiency 4.E Bank Supervision, Regulation, and Bank Lending 4.F Supervision, Regulation, and Bank Governance 4.G Summary of Results 5.
		CHOOSING BANK REGULATIONS 5.A Recap and Motivation 5.B Motivating Example: Mexico and the United States 5.C Conceptual Framework 5.D Empirical Framework and Data 5.E Summary Remarks 6.
	www.loc.gov /catdir/toc/ecip061/2005028138.html (285 words)

	Bank Regulation and Supervision: What Works Best? (ResearchIndex)
		If your firewall is blocking outgoing connections to port 3125, you can use these links to download local copies.
		Abstract: This paper draws on our new database on bank regulation and supervision in 107 countries to assess different governmental approaches to bank regulation and supervision and to evaluate the efficacy of specific regulatory and supervisory policies.
		First, we assess two broad and competing theories of government regulation: the helping-hand approach, according to which governments regulate to correct market failures, and the grabbing-hand approach, according to which governments regulate to support...
	citeseer.ist.psu.edu /470838.html (207 words)

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