Bank failures in the U.S.: A note on regulation Q

Anthony Ostrosky

International Advances in Economic Research, 1997, vol. 3, issue 2, 176-180

Abstract: Bank failures in the U.S. have increased enormously since 1981. In order to explain this situation, certain factors have been identified—recession, the cost of funds to banks, and the Tax Reform Act of 1986. In addition, the interest rate ceilings imposed upon banks in the U.S. under Regulation Q (until its elimination) have been suggested as a possible contributing cause of the bank failure problem. The purpose of this paper is to provide an initial, formal, and empirical investigation into whether or not Regulation Q did influence the bank failure rate in the U.S. In fact, Regulation Q appears to have been a statistically significant contributor to the commercial bank failure rate. Copyright International Atlantic Economic Society 1997

Date: 1997
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DOI: 10.1007/BF02294938

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