Thomas M. Buynak

Economic Commentaries

• Economic Commentary

  Ohio Banks: Hitting the Interstate Acquisition Road

  Thomas M. Buynak John McElravey
  05.15.1987 | EC 5/15/1987
  Changes in state banking laws have allowed interstate banking to spread rapidly throughout the United States during the past two years.
• Economic Commentary

  Is the U.S. Pension-Insurance System Going Broke?

  Thomas M. Buynak
  01.15.1987 | EC 1/15/1987
  Forty million Americans-about one third of the work force-have private, employer-sponsored pensions that are insured by the Pension Benefit Guaranty Corporation (PBGC).
• Economic Commentary

  The Thrift Industry: Reconstruction in Progress

  Thomas M. Buynak
  06.01.1986 | EC 6/1/1986
  During the 1981-82 recession, high interest rates sparked a financial crisis in the savings and loan (thrift) industry.
• Economic Commentary

  Interstate Banking: Its Impact on Ohio Banks

  Thomas M. Buynak
  09.15.1985 | EC 9/15/1985
  Interstate banking is rapidly becoming a marketplace reality. The pace of change is so rapid that 1985 may be a watershed in eliminating interstate banking barriers.
• Economic Commentary

  Will Adjustable Rate Mortgages Survive?

  Thomas M. Buynak
  01.15.1985 | EC 1/15/1985
  The variety of mortgage loan programs currently available to home buyers has made choosing a mortgage loan as difficult as choosing a house.
• Economic Commentary

  Regional Interstate Banking

  Gerald Anderson Thomas M. Buynak James J. Balazsy Jr.
  06.18.1984 | EC 6/18/1984
  More and more, bankers and legislators are initiating state laws to lower legal barriers to interstate banking.
• Economic Commentary

  Banking without Interstate Barriers

  Thomas M. Buynak Gerald Anderson James J. Balazsy Jr.
  03.12.1984 | EC 3/12/1984
  In today’s deregulated banking environment, more and more states are considering loosening their interstate banking restrictions. Ohio, Michigan, and Florida are three of about fifteen states currently considering interstate banking legislation.
• Economic Commentary

  Banking and Commerce: To Mix or Not to Mix?

  Thomas M. Buynak
  12.05.1983 | EC 12/5/1983
  In the late 1970s, commercial banks and thrifts experienced an unprecedented diversion of their funds to less regulated institutions.
• Economic Commentary

  The Community Reinvestment Act: Early Experience and Problems

  Thomas M. Buynak
  04.20.1981 | EC 4/20/1981
  The Community Reinvestment Act of 1977, effective November 6, 1978, requires financial institutions to " ... demonstrate that their deposit facilities serve the convenience and needs of the communities in which they are chartered to do business."