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Report
Payday holiday: how households fare after payday credit bans
Strain, Michael R.; Morgan, Donald P. (2007)
Payday loans are widely condemned as a ?predatory debt trap.? We test that claim by researching how households in Georgia and North Carolina have fared since those states banned payday loans in May 2004 and December 2005. Compared with households in all other states, households in Georgia have bounced more checks, complained more to the Federal Trade Commission about lenders and debt collectors, and filed for Chapter 7 bankruptcy protection at a higher rate. North Carolina households have fared about the same. This negative correlation?reduced payday credit supply, increased credit ...
Staff Reports , Paper 309

Journal Article
States take the lead
Zimmerman, Gary C.; Keeley, Michael C. (1988)
FRBSF Economic Letter

Journal Article
Banking deregulation
Beebe, Jack (1981)
FRBSF Economic Letter

Working Paper
Regional regulatory effects on bank efficiency
Evanoff, Douglas D.; Israilevich, Philip R. (1990)
Working Paper Series, Regional Economic Issues , Paper 90-4

Journal Article
Why did FDR's bank holiday succeed?
Silber, William L. (2009-07)
After a month-long run on American banks, Franklin Delano Roosevelt proclaimed a Bank Holiday, beginning March 6, 1933, that shut down the banking system. When the banks reopened on March 13, depositors stood in line to return their hoarded cash. This article attributes the success of the Bank Holiday and the remarkable turnaround in the public's confidence to the Emergency Banking Act, passed by Congress on March 9, 1933. Roosevelt used the emergency currency provisions of the Act to encourage the Federal Reserve to create de facto 100 percent deposit insurance in the reopened banks. The ...
Economic Policy Review , Volume 15 , Issue Jul , Pages 19-30

Journal Article
Regulation of consumer credit
anonymous (1942-05)
Federal Reserve Bulletin , Issue May

Journal Article
The benefits of branching deregulation
Jayaratne, Jith; Strahan, Philip E. (1997-12)
When the Riegle-Neal Interstate Banking and Branching Efficiency Act went into effect in June 1997, it marked the final stage of a quarter-century-long effort to relax geographic restrictions on banks. This article examines an earlier stage of the deregulatory process-the actions taken by the states between 1978 and 1992 to remove the barriers to intrastate branching and interstate banking-to determine how the lifting of geographic restrictions affect the efficiency of the banking industry. The analysis reveals that banks' loan losses and operating costs fell sharply following the state ...
Economic Policy Review , Volume 3 , Issue Dec , Pages 13-29

Journal Article
Rebalancing the three pillars of Basel II
Rochet, Jean-Charles (2004-09)
The author observes that the three pillars of Basel II seem uneven: Pillars 1 and 2 have eclipsed Pillar 3 - market discipline and disclosure - in the Basle Committee's deliberations. He works through a banking model of the three Pillars, shows how the optimal liquidation limit varies with bank liability structure and the regulatory regime, and argues that market discipline, via mandatory subordinated debt issuance, can reduce forbearance by supervisors.
Economic Policy Review , Issue Sep , Pages 7-21

Journal Article
Statement to Congress, June 23, 1992(issues of regulatory burden)
LaWare, John P. (1992-08)
Federal Reserve Bulletin , Issue Aug

Speech
Recent developments in regulatory capital: a speech at the Standard & Poor’s North American Financial Institutions Conference, New York, November 30, 2005
Bies, Susan Schmidt (2005)
Speech , Paper 160

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