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29 Am. U. L. Rev. 633 (1979-1980)
Issue 4

handle is hein.journals/aulr29 and id is 649 raw text is: THE AMERICAN UNIVERSITY LAW REVIEW VOLUME 29 SUMMER 1980 NUMBER 4 ARTICLE THE FRAGMENTED DEPOSITORY INSTITUTIONS SYSTEM: A CASE FOR UNIFICATION MELANIE L. FEIN* TABLE OF CONTENTS I. INTRODUCTION ........................................................ 635 II. THE DEPOSITORY INDUSTRY: STRUCTURE AND HISTORY.. 637 A. Commercial Banks ............................................... 637 B. Savings and Loan Associations .............................. 641 C. Mutual Savings Banks ......................................... 645 D. Credit Unions .................................................... 647 E. Bank Holding Companies ..................................... 650 F. Savings and Loan Holding Companies .................... 653 * B.A. 1971, Earlham College; J.D. 1979, Catholic University. Attorney, Board of Gover- nors of the Federal Reserve System, Washington, D.C. This article was written in large part prior to Ms. Fein's employment with the Board and does not necessarily represent the views of the Board or its staff. This article also was written prior to the enactment of the Depository Institutions Deregulation and Monetary Control Act of 1980 (Pub. L. No. 96-221, 94 Stat. 132) but has been amended to reflect the changes made by the Act. Ms. Fein wishes to express her gratitude to Ford Barrett, Assistant Chief Counsel, Office of the Comptroller of the Currency, and to Bruce E. Fein, Esq., her husband, for their helpful comments and assistance in the preparation of this article. The responsibility for the views expressed herein, however, lies solely with the author.

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