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About Us
We’re one of 12 regional Federal Reserve Banks working together with the Board of Governors to support a healthy economy. Our job is to serve the American public — to serve you. And our mission is to foster economic stability and strength.

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Economic Research
We conduct research to support policymaking and thought leadership on issues important to the Federal Reserve and the Fifth District. We also inform the public through our data and economic analysis, publications, presentations and educational resources.

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Banking & Supervision
We help ensure our financial system is operating safely and effectively, and we help support secure and efficient methods to transfer your funds through our financial system.
Education
We work with teachers, students and the public to enhance understanding of economics, personal finance and the Federal Reserve.

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Community Development
We work with community partners to identify and address economic challenges and opportunities in low- and moderate-income communities in the Fifth District.

Economic Quarterly

Fall 2002

Competition Among Bank Regulators

When banks can choose among multiple regulators, how does the interaction of the regulators affect the performance of the banking industry? This question is addressed in the context of a bank regulation model that emphasizes the role of bank examinations used to monitor banks' choices of risky investments.

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Lisa Kenney (804) 697-8179

Economic Quarterly

Fall 2002

Competition Among Bank Regulators

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