Sociology Commons^™

Thrown Together: Credit Union And Commercial Bank Regulation And Competition In The Consumer Finance Industry, 1960-2015, Grace Cale

Theses and Dissertations--Sociology

This project seeks to assess whether there are meaningful differences between the stability of the Credit Union and Consumer Banking industries before the 1980s, and how both industries’ stability had been affected by subsequent political-economic changes. I also sought to assess if deregulation would make credit union behave at risk levels similar to banks. I initially observed that there was a strong inverse correlation between credit union size and failures, which I argue could be explained by regulatory change. This claim was strengthened by the observation that credit unions had benefitted from certain key forms of deregulation, they were still …