Industry Issues: Mergers and Acquisitions

Overview

Policy Positions Index

Comment Letters

Bank Mergers and Acquisitions

Several economic factors have caused banking institutions to merge over the past several years. The wave of bank mergers has raised concerns about decreased competition and loss of local involvement. To date, data suggest that mergers do not result in across-the-board fee increases for banking services. Community groups often use the merger process to raise concerns about lending to minorities and low-income communities.

LEGISLATIVE/REGULATORY INFORMATION

Industry Numbers and Bank Mergers (Powerpoint)
Top Commerical Bank Mergers Since 2004 (as of June 2009) (PDF)
Bank Mergers and Banking Structure in the United States, 1980-98 (PDF)
Local market consolidation and bank productive efficiency (PDF)
Regulatory incentives and consolidation: the case of commercial bank mergers and the Community Reinvestment Act. (PDF)

ADDITIONAL INFORMATION

Frequently Asked Questions
William R.l Keeton, "The Transformation of Banking and Its Impact on Consumers and Small Businesses," Economic Review 86(1), Federal Reserve Bank of Kansas City, First Quarter 2001.
Roger Ferguson, Remarks at the Jerome Levy Institute, 4/26/01

Questions? For more information, contact Keith Leggett.

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