Report to the Congress on the Findings and Recommendations Concerning the "Two-Window" Deposit System Proposal: Pursuant to Section 321 of Public Law 102-242
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Report to the Congress on the Findings and Recommendations Concerning the "Two-Window" Deposit System Proposal: Pursuant to Section 321 of Public Law 102-242

Filetype[PDF-1.97 MB]


  • Publisher's site: |
  • Corporate Authors:
  • Description:
    Executive Summary (Pg i)

    I. Introduction to Two-Window Banking (Pg 1)

    A. Activities funded with insured deposits (Pg 3)

    B. Restrictions on nonbank-affiliate activities (Pg 5)

    C. structure of the banking organization (Pg 6)

    II. Risk to the Deposit Insurance Funds (Pg 7)

    A. Activities in the insured bank (Pg 7)

    B. Profitability and diversification of risks (Pg 9)

    C. Supervisory issues: firewalls and safeguards (Pg 11)

    III. Equity, Efficiency, and Feasibility (Pg 28)

    A. Competitive and regulatory issues (Pg 28)

    1. Competition and competitive equity (Pg 29)

    2. Economies of scope and operating efficiency (Pg 31)

    3. Resource adjustments (economic efficiency) (Pg 31)

    4. Regulatory requirements under alternative modes of uninsured funding and alternative nonbank activities (Pg 33)

    B. Disclosure standards (Pg 34)

    C. Accounting standards (Pg 41)

    IV. Implementing a Two-Window System (Pg 42)

    V. Findings and Recommendations (Pg 47)

    Appendix -- Statutory and Regulatory Safeguards (Pg 51)

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  • Agencies Involved:
    Federal Deposit Insurance Corporation (FDIC);Office of the Comptroller of the Currency (OCC);Board of Governors of the Federal Reserve System (The Fed);Federal Home Loan Bank Board (FHLBB);
  • Bank Involved:
    Hamilton National Bank of Chattanooga;United California Bank;Chase Manhattan National Bank;First National Bank of Chicago;Conintental Illinois Bank;National Bank of Washington;Lincoln Savings and Loan;First National Bank of Oklahoma;BancTexas;First City Bancorporation;Bank of New England Corporation;Hawkeye Bancorporation;First Options of Chicago;
  • Law Involved:
    Federal Deposit Insurance Corporation Improvement Act of 1991;Banking Act of 1933 (Glass-Steagall Act);Bank Holding Company Act of 1956;Federal Reserve Act;Bank Holding Company Act Amendments of 1970;
  • Other Institutions Involved:
    Manufacturers Hanover Trust Company;Salomon Brothers;Banco Denesia;First Options;Drexel, Burnham, Lambert, Inc.;American Continental Corporation (ACC);
  • Related Regulation:
    12 CFR Part 225.4
  • Source:
    FDIC Website
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