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Banking Conditions

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The consolidation of the banking industry that began in the mid-1980s has been driven primarily by changes in the regulations on banks' geographic expansion. At the beginning of the century, most states required banks to be unit banks, that is, to have only one office.

Suggested citation: “Banking Conditions,” Federal Reserve Bank of Cleveland, Economic Trends, no. 96-08, pp. 16-17, 08.01.1996.

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