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 ?
WHAT the past can teach us about the merits of tighter versus looser bank regulation will be the subject of the latest Julian Hodge Institute of Applied Macroeconomics annual lecture this week.
Smith not only championed progressive taxation; he also advocated rigorous bank regulation.
Indeed, in 1999 the Bank and the IMF started the Financial Sector Assessment Program to assess systematically the status of financial systems in countries and to make recommendations for reform, including in the area of bank regulation.
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.
One point of this article is to identify some of the difficulties that arise for bank regulation when it is not clear which firms are banks and which are not.