The Regulation and Reform of the American Banking System, 1900-1929
Abstract
Examining the regulation of banking in the United States between 1900 and the Great Depression, Eugene Nelson White shows how Congress and the state legislatures tried to strengthen the banking system by creating new institutions, rather than by changing nineteenth-century laws that perpetuated the unit structure of the banking industry. Originally published in 1983. The Princeton Legacy Library uses the latest print-on-demand technology to again make available previously out-of-print books from the distinguished backlist of Princeton University Press. These editions preserve the original texts of these important books while presenting them in durable paperback and hardcover editions. The goal of the Princeton Legacy Library is to vastly increase access to the rich scholarly heritage found in the thousands of books published by Princeton University Press since its founding in 1905.
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Bank entry, especially state bank entry, was driven by the rise of deposit banking, the lowering of deposit reserve and minimum capital requirements, and the simplification of incorporation laws.
“Conventional wisdom (e.g.White 1983) is that bank entry, state bank entry in particular, was driven by the rise of deposit banking (in which state banks were pioneers because of prohibitive taxes on the alternative source of funding, namely note issuance), the lowering of deposit reserve and minimum capital requirements, and the simplification of incorporation laws.”
From Populists at the Polls: Economic Factors in the 1896 Presidential Election (2017) · cites this paper as White 1983
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Lessons from the Great American Real Estate Boom and Bust of the 1920s
White, E. (2009) · National Bureau of Economic Research · doi:10.3386/w15573 · Cited by 111 · see citing works
Self-citationPopulists at the Polls: Economic Factors in the 1896 Presidential Election
Eichengreen, B., Haines, M., Jaremski, M., & Leblang, D. (2017) · doi:10.3386/w23932 · Cited by 9 · see citing works
- Authors
- White, E. N.
- Corresponding author
- White, Eugene Nelson
- ORCID
- White, Eugene Nelson
- Venue
- Princeton University Press eBooks
- Publisher
- Princeton University Press
- Published
- 1983-12-31
- OpenAlex
- W2083497036
- Cited by
- 298
- References
- 0
- Citations by year
- 2026: 3 · 2025: 6 · 2024: 6 · 2023: 2 · 2022: 3 · 2021: 5 · 2020: 14 · 2019: 22 · 2018: 13 · 2017: 9 · 2016: 9 · 2015: 12 · 2014: 11 · 2013: 10 · 2012: 11
- FWCI
- 9.70
- Type
- book
- Language
- en
- Open access
- closed
- Locations
- Princeton University Press eBooks (publishedVersion)
- Project Muse (Johns Hopkins University) (submittedVersion)
- Topics
- Social Sciences › Economics, Econometrics and Finance › Finance › Banking stability, regulation, efficiency
- Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Historical Economic and Social Studies
- Social Sciences › Business, Management and Accounting › Accounting › Banking Systems and Strategies
- Keywords
- banking regulation, banking reform, United States banking system, banking law, state banking legislation, Great Depression, Progressive Era
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