Course Status:	Released	Courseware Features
Course Language:	English
Course Duration:	4 Hours
Deployment Options:	Online, Interactive CDs, Network, Downloads, Intranet

Audience

Business students and employees seeking a broad understanding of the development and operation of American financial institutions

Prerequisites

An understanding of basic economics

Course Aim

To describe the history and regulation of the U.S. banking system

Learning Objectives

Outline the history of banking in the United States. Explain the effect of branching regulations on the commercial banking industry. Describe the history and current regulation of the thrift industry. Discuss arguments for and against the separation of the banking and securities industries in the United States. Explain how bank consolidation affected banking in the United States. Discuss how U.S. banks operate internationally and how foreign banks operate in the United States. Explain how technology and financial innovations have eroded the traditional client base of banks. Describe how banks have responded to their changing role. Explain how government safety nets regulate bank panics. Discuss how governments regulate banks using capital requirements and chartering. Describe disclosure requirements, consumer protection, competition restriction, and industry separation. Categorize examples of bank regulation.

Topics Covered

History and Regulations - History of the banking system - Branch restrictions - The thrift industry - The banking and securities industries Changes in the Banking System - Bank consolidation in the United States - International banking - Innovations - Implications for banks Banking Regulations - Government safety nets - Capital requirements and chartering - Other types of banking regulations - Categorizing banking regulations Banking Regulations and Banking Crises - The banking crisis of the 1980s - FIRREA and FDICIA - International banking crises - Identifying banking legislation

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