Bank regulation


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Bank regulation

The formulation and issuance by authorized agencies of specific rules or regulations, under governing law, for the conduct and structure of banking.

Bank Regulation

The laws and bureaucratic rules governing banking. Banks have regulations at the federal, state, and sometimes local levels. Examples of bank regulations include capital requirements and limits on interest rates. Member banks of the Federal Reserve are subject to further regulations, such as the requirement to buy stock in the Federal Reserve System. Proponents of bank regulations state that they help maintain consumer confidence in banking, which in turn helps keep the economy running smoothly. Critics maintain that most bank regulations create market distortions and hamper economic growth. Perhaps predictably, these two groups disagree on whether too little or too much bank regulation caused the credit crunch of the mid and late 2000s and the subsequent recession.
References in periodicals archive ?
The Survey of Bank Regulation and Supervision Around the World assembles and makes available a database to permit international comparisons of various features of the bank-regulatory environment.
Never forget this credit crisis was made in Downing St, Number 11 back in 1997when he split the bank regulation task off from the Bank of England.
If Gordon Brown doesn't get the message that bank regulation needs an urgent and drastic overhaul we really are in danger of becoming a banana republic - but without any bananas to sell.
Wallison and I don't disagree about the economics of bank regulation: we disagree about the political science of bank regulation.
With support from the World Bank, the authors have assembled a database on bank regulation and supervision in over 150 countries.
The important relationship between banks and economic welfare has led researchers and international institutions to develop policy recommendations concerning bank regulation and supervision.
He is actively involved in bank regulation, payments systems, and developing technologies that affect bank delivery of products and services.
This has important implications for the economic outlook as well as for monetary policy, bank regulation policy, and fiscal policy.
The major theme of this year's conference will be an in-depth evaluation of bank regulation.
Petri's bill would effectively privatize both deposit insurance and bank regulation, since the federal government's role would be reduced to making certain that a cross-guarantee contract was in place for every bank.
It looks at banking regulations, major bank risks and instruments, and requirements for bank regulation.
The move would ensure that the influence of credit agencies would be greatly reduced in bank regulation.