THE COMPETITIVE CONDITION OF U.S. BANKING MARKETS AND THE IMPACT OF STRUCTURAL REFORM

Authors

  • Arnold A. Heggestad,

  • John J. Mingo

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    • University of Florida and Board of Governors Federal Reserve System, respectively. The opinions of this paper are those of the authors and do not necessarily reflect the opinions of the Board of Governors or its staff. The authors wish to thank two referees of this Journal, Edward J. Kane and Donald P. Jacobs, for valuable comments on earlier drafts; Janice Decker provided invaluable statistical and computational support on the study. Finally, financial support from the Center for Public Policy Research at the University of Florida is gratefully acknowledged.

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