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Class Nine -- Friday, September 27, 2014
Following up on our discussion of holding companies, we will begin class with a short review of how the Dodd-Frank Act reformed the oversight of financial holding companies. The new regime is summarized in Elizabeth Brown’s 2011 article. We will next turn to a brief discussion of the regulation of the liability side of bank balance sheets (pages 167-178 of the excerpt on Deposits and Deposit Insurance from the Regulation of Financial Institutions), and then look more closely at the FDIC Options paper (pages 179-86). If time permits, take a look at the problems posed by new deposit substitutes, such as Bitcoin. On this topic, please review the Introductory Memorandum on Bitcoin.
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