The articles and commentaries included in this volume were
presented at the Federal Reserve Bank of St. Louis' fifteenth
annual economic policy conference. The conference focused on the
effects of a variety of recent changes in the market for financial
services in the United States. This market has been changing
rapidly in recent years: business loans have become more liquid, as
the market for loan sales grows. Banks have been permitted to
participate in a limited form of interstate banking. Commercial
banks have been given permission to offer additional underwriting
services. The market for residential mortgage credit has been
transformed, through securitization and the declining role of
savings and loan associations. Foreign financial firms have taken a
rising share of the market financial services. The papers in this
volume describe these changes and examine implications for
financial institutions and their customers.
General
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