Article: Fed shouldn't impede merger of the regulators. (Federal Reserve Board, banking regulators) (Column)

For 16 years before my retirement, I was chief financial officer of Citicorp.

The holding company included national banks, state banks, Edge Act banks, nonbank banks, thrifts, and many nonbank activities.

As I recall, as a resultt of this complexity, the organization was regulated by, supervised by, or reported to - count 'em - 17 entities: Federal Reserve Board; the regional Federal Reserve Banks in Boston, New York, Philadelphia, Minneapolis, and San Francisco; the Comptroller of the Currency; ad the Comptroller's New York office;

Also there were the state banking authorities in New York and Delaware; the Federal Home Loan Bank Board (now ...

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