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- Faculty Publications (54)
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- All HBS Web (166)
- Faculty Publications (54)
- 22 Feb 2022
- News
Savings and Loam
are being deployed on the lending side,” he says. Cummings, who jokes that he’s “going from pretend farmer to pretend banker,” submitted the banking charter and FDIC insurance applications in August 2021 and hopes to have a provisional... View Details
- 29 Jan 2010
- News
Back to Glass-Steagall?
President Obama shocked Wall Street recently with his proposal to cut down to size too-big-to-fail banks by imposing new rules to separate commercial and investment activities. Specifically, Obama would prohibit View Details
- 29 Sep 2008
- Research & Ideas
Financial Crisis Caution Urged by Faculty Panel
Depression-era legislation, and remained distinct for many years. Commercial banks made loans, kept the loans on their books, and took in deposits "through the door." For their part, investment... View Details
- 01 Mar 2010
- News
You Have to Save to Win
$25 saved. Aside from better odds, the program offers something much more tangible for thrill-seeking lotto players: money in the bank. Since its launch in January 2009, Save to Win has attracted $3.8 million in new deposits from almost... View Details
- 23 Apr 2008
- Op-Ed
The Gap in the U.S. Treasury Recommendations
firm's actions were threatening the system. A newly formed prudential regulator would regulate financial institutions that had some type of explicit government guarantee such as deposit insurance. In that role it would supersede existing... View Details
Lawrence M. Giannini
Giannini was head of the largest bank in the world with more than 3.6 million deposit accounts, 150,000 stockholders, and 14,000 employees. Growing Bank of America, Giannini... View Details
Keywords: Finance
- 04 Aug 2014
- Op-Ed
Why Small-Business Lending Is Not Recovering
recently went by with no new bank charters issued by the Federal Deposit Insurance Corporation (FDIC), the first time that happened in the agency's 80-year history. Perhaps the most compelling cyclical... View Details
- 01 Feb 2001
- News
Q&A - Dirty Money: Raymond Baker Explores the Free Market's Demimonde
important to understand that they all use the same process to launder their money. And you believe that some U.S. firms are complicit in that process? When it comes to large deposits from overseas, far too often American View Details
Lorimer D. Milton
Under Milton’s leadership, Citizens Trust grew to become one of the top five black-owned financial service institutions in the United States by 1940. It was the first black-owned bank to become a member of the Federal Reserve and Federal... View Details
Keywords: Finance
- 02 Sep 2015
- Research & Ideas
Explaining China's Crash
intervene in the currency market. Finally, the Chinese central bank has room for further monetary stimulus; they can lower the reserve requirement for banks from the current 18 percent of View Details
- 09 Apr 2014
- Research & Ideas
A Playbook for Small-Business Job Creation
in the competitiveness discussion, as well. The level of dependence of small firms on bank credit is estimated to be as high as 90 percent, according to separate studies by the Federal Deposit Insurance... View Details
- 09 Nov 2021
- News
Weighing Big Tech’s Promise to Black America
cash holdings “in financial institutions and organizations that directly support Black communities.” As part of that effort, Netflix deposited $10 million in Hope Credit Union, a Black-owned bank. The pledge also included a call to... View Details
- 28 Aug 2014
- Op-Ed
Government Can Do More to Unfreeze Small Business Credit
regulators and bank examiners are inconsistent, which leads to confusion and an aversion to taking on more risk from bankers. During the most difficult part of the crisis, the Federal Deposit Insurance... View Details
- 01 Dec 2016
- News
In Memoriam: F. Gorham Brigham Jr.
to colonel under General George C. Marshall and remaining in the Army Reserve until 1967. His banking career began in 1962, when he joined the Boston Safe Deposit and Trust Company as VP of business... View Details
Keywords: Julia Hanna
- 19 Jul 2004
- Research & Ideas
Your Customers: Use Them or Lose Them
wisdom for banks was that in order to grow they should offer the best rates of deposit or buy another company. Instead, she said, Commerce Bank offered the worst View Details
Keywords: by Martha Lagace
- 02 May 2017
- First Look
First Look at New Research: May 2, 2017
two new measures of bank productivity: one focused on deposit-taking productivity and one focused on asset productivity. We then use these measures to evaluate the cross-section of bank value. Both... View Details
Keywords: Carmen Nobel
- 24 Oct 2012
- Research & Ideas
Want People to Save More? Send a Text
what the researchers found after testing all three methods: Participants in the self-help peer group deposited 3.5 times more often into the savings account, and their savings balance was almost twice that of participants in the control... View Details
Keywords: by Kim Girard
- 21 Jul 2010
- Research & Ideas
HBS Faculty Debate Financial Reform Legislation
such as certificates of deposit and consumer loans, but it will not be allowed to inspect most banks, since they are already examined by the banking agencies. At the same time, the CFPC's jurisdiction was... View Details
Keywords: by Staff
- 13 Jul 2016
- News
From Money to Ministry
Photography by Tori Soper Rodney Quainton (MBA 1970) had always wanted to be a banker. At Yale (Class of 1962), courses on money management and banking attracted him. “At that time,” he recalls, “banking was considered an honorable... View Details
Keywords: Margie Kelley
- 22 Jun 2009
- Research & Ideas
“Too Big To Fail”: Reining In Large Financial Firms
response, he continues. With the banking system near collapse, the Roosevelt administration engineered sweeping federal intervention into the marketplace, including creation of federal deposit insurance,... View Details