Regulatory Burden: Recent Studies, Industry Issues, and Agency
Initiatives (Letter Report, 12/13/93, GAO/GGD-94-28).

Over the last several years, a growing chorus of protest has arisen from
the banking and thrift industries over what many view as an excessively
complex patchwork of federal banking laws and regulations.  The banking
industry is particularly concerned about the cumulative burden of
regulation and its effect on a bank's ability to make enough credit
available to worthy borrowers.  This report provides an overview of the
regulatory burden studies recently done by, or on behalf of, the federal
banking agencies and several of the major banking industry trade
associations.  GAO also describes the major regulatory burdens addressed
in those studies and agency actions or initiatives related to each
issue. The results of GAO's review should prove helpful in assessing the
appropriateness and effectiveness of administrative, legislative, and
regulatory initiatives to ease burdensome regulation and to boost credit
availability.

--------------------------- Indexing Terms -----------------------------

 REPORTNUM:  GGD-94-28
     TITLE:  Regulatory Burden: Recent Studies, Industry Issues, and 
             Agency Initiatives
      DATE:  12/13/93
   SUBJECT:  Banking regulation
             Banking law
             Financial institutions
             Credit
             Insured commercial banks
             Administrative costs
             Regulatory agencies
             Surveys
             Proposed legislation
             Appraisals

             
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