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Deregulation and the Location of Financial Institution Offices

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Changes in the regulation and structure of the U.S. financial services industry over the last 15 years have led to allegations that the banking system has weakened its commitment to poor and minority consumers, yet little solid evidence has been produced to support this claim. The author examines this accusation by looking at the pattern of financial office closures in five metropolitan areas between 1977 and 1990 and finds mixed results.

Suggested citation: Avery, Robert B. “Deregulation and the Location of Financial Institution Offices,” Federal Reserve Bank of Cleveland, Economic Review, vol. 27, no. 3, pp. 30-42, 09.01.1991.

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