Talk:Banking in the United States/Archive 1

History of central banking in the United States
This article doesn't seem to discuss "banking in the United States" in general, but rather the History of Central Banking in the United States, for which there is already an article. If this were changed to include all types of banking enterprises in the U.S., then keep it, otherwise merge. Paul 03:56, 9 April 2006 (UTC)

The article as it is, should be merged, given it's focus on central banking, however a their should exist an article on banking in the US. Saganatsu 20:37, 23 October 2006 (UTC)

Merge?
See Banking in the Jacksonian Era - merge that one into this article? Grease Bandit 21:38, 11 June 2007 (UTC)

Active Banks of the United States
I am trying to merge an un-updated impossible to manage list of banks page into this one. Banks of the united states is the original page... as all that's really needed is a link to the fdic list of active banks.. instead if the impossible list,. which is actually perfect for this article as its on topic and otherwise it would be a 1 sentence article which would be silly. so I have added that section and info on failed banks. Please comment here rather then reverting ordeleting anything. thank you -Tracer9999 (talk) 02:13, 30 August 2008 (UTC)


 * Only FDIC-insured banks are listed by the FDIC. Banks which are not FDIC-insured are not listed.  Hopefully someone can find a list of non-FDIC-insured banks.  I've looked but haven't found one yet.  There is a list of the types of banks in the United States and who regulates them.  I think this is a good starting point.  I found the link to it on this page:  http://www.frbsf.org/education/activities/drecon/answerxml.cfm?selectedurl=/2006/0611.html  The document you'll want is titled, "Banking Institutions and Their Regulators".  The link to the document is:  http://www.newyorkfed.org/banking/regrept/BIATR.pdf  I think the regulators should list the banks.  Analoguni (talk) 00:27, 1 September 2008 (UTC)


 * The only non-FDIC-insured banks would be international banks, I think... II  | (t - c) 23:53, 25 June 2010 (UTC)

Types of banks
There seem to be a number of types of banks (for example, federal savings association, savings and loan, credit union, mutual company, commercial bank, etc.), and this list has changed over time. It would be nice if this article gave a comprehensive list and explanation of each, so readers have a good idea of the nationwide picture. -- Beland (talk) 00:59, 10 September 2008 (UTC)
 * Bank has a list of types of bank, but it's unclear that it has anything to do with the legal framework in the U.S. -- Beland (talk) 05:41, 25 September 2008 (UTC)

civil war notes :    redeemable with 2 pennies % per day ? does that still hold true today ? —Preceding unsigned comment added by 76.246.52.190 (talk) 10:06, 10 April 2010 (UTC)


 * Banking Institutions and Their Regulators from the NYFed for a start on this... plus see the FDIC summary stats on the respective numbers here and historical here for more information. II  | (t - c) 23:32, 25 June 2010 (UTC)

History of banking in the United States
I have just created History of banking in the United States using text from several articles including from the "History" section of this one. I think the "History" section of this article should be rewritten to provide a summary of History of banking in the United States. If anybody is willing to do it, I would much appreciate it and would be glad to support the effort. --Pseudo-Richard (talk) 07:45, 19 May 2011 (UTC)

How can this be true aka not enough references
"The U.S also has one of the most highly-regulated banking environments in the world, focusing on privacy, disclosure, fraud prevention, anti-money laundering, anti-terrorism, anti-usury lending and the promotion of lending to lower-income populations. Some individual cities also enact their own financial regulation laws (for example, defining what constitutes usurious lending)."

If this part would be true a) why are there no references on this paragraph b) how can we read about massive deregulation '80/'90 which now has been turned back but if we pay attention to the way, regulation is not defined by the number of laws nor institutions that have to keep watch on something but on the degree that they regulated e.g. finance products etc. At least thats what I would assume as a meaningful definition. — Preceding unsigned comment added by Hector Bosch (talk • contribs) 09:13, 29 November 2011 (UTC)


 * Sure, you're right.
 * First phrase "The U.S. also has one of the most highly-regulated banking environments in the world" sounds like OR and needs a rewrite or a cite.
 * The list of areas covered seems fine – each item in that list is supported by a piece of legislation. Probably there should be a cite, or those facts should be covered in the body. On the other hand it's neither dubious nor unverifiable.
 * Second sentence seems fine - a cite would be good. Again, it's neither dubious nor unverifiable. --Pnm (talk) 17:11, 29 November 2011 (UTC)

Lead
After some consideration, after removing the 3rd paragraph of the lede as synthesis (re-added by multiple anons who are obviously the same person) (which it is; the two sentences are from different sources and the relationship between them is non-existent, except that they use the same terms); I decided to remove the 2nd paragraph as well, as the source notes the comparison is meaningless. Perhaps something along those lines could be said and be relevant, but I have no idea what it might be. — Arthur Rubin (talk) 09:39, 30 April 2012 (UTC)


 * If I am following this correctly, the disputed content is "Per the Federal Reserve these top five banks held more than $8.5 trillion in assets at the end of 2011, which was 56 percent of the U.S. economy by gross domestic product (GDP). In 2006 the top five held $6 trillion, which was 43% of the economy that year.  The top five in 2012 were about twice as large as they were in 2002 relative to the economy."
 * If this is the case, I'm not clear on the concern. This content appears to be from a reliable source (Bloomberg BusinessWeek).  Can you clarify for me your concern?  Thanks, 72Dino (talk) 04:53, 8 May 2012 (UTC)
 * No clarification for
 * so, reinstated. 99.181.128.4 (talk) 02:29, 11 June 2012 (UTC)
 * If you skip the GDP references, which the source indicates is a nonsensical comparison, then it seems reasonable. Otherwise, not.  In either case, it does not belong in the lede.  — Arthur Rubin  (talk) 04:36, 11 June 2012 (UTC)

Wildcat Banking
I'd like to point out that every single paper referenced for wildcat banking during the so-called "free-banking" era suggest that it is not a serious explanation of crises and the problems associated with the free-banking laws. The paragraph makes it sound like some third party literature is simply challenging the wildcat banking common view, while the literature overwhelmingly marginalizes the wildcat banking phenomenon. This paragraph should be rewritten. --Melt core (talk) 16:40, 19 March 2013 (UTC)


 * Rewrite it then. WP:BOLD and WP:SOFIXIT. It sounds like you know what you are talking about. See WP:CITE for adding references. II  | (t - c) 20:53, 19 March 2013 (UTC)

The whole 'free banking' era section needs to be re-written. It's poorly sourced and doesn't take into account new research that has been emerging since the 80's on the subject. Some of its is downright factually incorrect ('whereby the banks are not a subject to any special regulations beyond those applicable to any other enterprise.', which is then contradicted by references to the special restrictions on banks in the section on the New York law), while a lot of it is suggesting a slant that isn't present in the modern literature. I'll try and work on a re-write, but I often don't have a whole lot of time to do so. We'll see. 68.82.213.244 (talk) 10:10, 9 June 2013 (UTC)

Suggest to split the article
The article as it is is primarily focused on the history of Banking in the US. It is one of the more boring articles in WP despite the fact that banking in the US has become a major power in American politics simply by the amount on money it is pouring into the political process (but you would not learn that from the article). I suggest to split the article into two parts: History of banking in the US, and Banking in the US (focused on the more recent issues). The separation line may be the admixture of investment banking with traditional banking.Ekem (talk) 02:16, 21 July 2015 (UTC)
 * Good idea. One problem: History of banking in the United States already exists. I think I made a similar suggestion to yours a long time ago, and it was ignored by others because of the difficulty of merging the history part of Banking in the United States with History of banking in the United States. It still think it's a worthwhile project. Wildfowl (talk) 21:23, 21 July 2015 (UTC)
 * Agreed! I will start on this now. LivinRealGüd (talk) 00:46, 25 May 2018 (UTC)

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