There are several potential efficiencies from adopting some form of optional federal chartering system for insurance companies.

This is the second AEI conference on optional federal chartering of insurance companies. Since the first, on June 3, 1999, the issue has continued to receive attention within the insurance industry and in Congress, and major industry groups have begun drafting possible legislation. The ABA Insurance Association, an affiliate...

In response to heightened competition, the larger insurance companies and various insurance industry groups have become interested in the concept of federal chartering and regulation.

The Treasury Department’s plan to reform the federal regulatory structure for financial services has focused unusual attention on the insurance sector, which is part of the financial services industry but regulated solely at the state level. Among other things, the Treasury recommended that insurers have the option, like banks, to...

The Shadow Financial Regulatory Committee (SFRC) is a group of publicly recognized independent experts on the financial services industry, including banking, insurance, and securities, who meet regularly to study and critique regulatory policies affecting this sector of the economy. At the two closed sessions before the luncheon, committee members will...

The puzzle of underissuance of national bank notes disappears when one disaggregates data, takes account of regulatory limits, and considers differences in opportunity costs.

The puzzle of underissuance of national bank notes disappears when one disaggregates data, takes account of regulatory limits, and considers differences in opportunity costs.

A recent district court decision stating that nonbank banks are not engaged in the business of banking may turn some ideas about ''commerce and banking'' upside down.