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Thesis (M.A.)—University of Nebraska—Lincoln, 1959. Department of Economics.


Copyright 1959, the author. Used by permission.


The purposes of this thesis are: (1) To survey and summarize the legislation which has affected the development of the multiple-office types of banking; and (2) to evaluate the present status of these legislative provisions in terms of the advantages and disadvantages attributed to the multiple-office forms.Two separate chapters will be constructed in order to present the legislative developments.One will be devoted to branch banking exclusively and the other will combine the group and chain forms. Within each of these chapters there will first be presented a discussion of the advantages and disadvantages which are usually attributed to that particular multiple-office type.Subsequent sections will contain in order: the historical development of federal legislation governing that particular type of organization; a summarization of the trends in state laws governing it; and a short review of the fluctuation in development as a consequence of the important legislative acts.

In view of the monopolistic nature of the multiple-office banking systems, it is well that the legislators have proceeded with caution in permitting their development.Now that many of the traditional barriers against such systems have been broken, a regression should be avoided.But state legislators in particular should be made to realize the advantages of branch banking organizations and should discard the monopoly fetish attributed to them. Enlightened views would contribute greatly to the creation of a thoroughly sound, efficient and serviceable banking structure in future years.

Advisor: Dr. Clemens. B Thoman