The Benefits of Branching Deregulation

  title={The Benefits of Branching Deregulation},
  author={Jith Jayaratne and Philip E. Strahan},
  • Jith Jayaratne, Philip E. Strahan
  • Published 1997
he Riegle-Neal Interstate Banking and Branching Efficiency Act, implemented in June 1997, enables banks to establish branches and buy other banks across the country. This legislation is the final stage of a quarter-century-long effort to relax geographic limits on banks. As recently as 1975, no state allowed out-of-state bank holding companies (BHCs) to buy in-state banks, and only fourteen states permitted statewide branching. By 1990, all states but Hawaii allowed out-of-state BHCs to buy in… CONTINUE READING

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