Banking Resources – Search Results
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Report: Fewer Small Businesses are Receiving Federal Relief Loans in States Dominated by Big Banks
A significantly larger number of federal relief loans are reaching small businesses in states where small, local banks comprise a greater share of the market, compared to states where big banks are more dominant, an ILSR analysis has found. … Read More
Public Banks: Bank of North Dakota
The state-owned Bank of North Dakota operates as a kind wholesale bank by offering partnership loans that effectively expand the lending capacity of local banks and credit unions. Thanks in large part to BND, North Dakota has the largest number of local banks and credit unions per capita of any state, and these local financial institutions account for a remarkable 83 percent of the market. Our research shows that having a robust local banking system pays off in big ways for North Dakota, including by providing a significantly higher volume of loans to finance local businesses and farms. … Read More
Understanding the Small Business Credit Crunch
Even as their big competitors are awash in capital, many locally owned businesses are struggling to secure the financing they need to grow. This analysis finds that, since 2000, bank lending to large businesses is up 36 percent, while small business loan volume has fallen 14 percent and “micro” business loans — those under $100,000 — have plummeted 33 percent.… Read More
The New Rules Journal – Fall 2001
Feature Stories:
Rogue Agencies Gut State Banking Laws — On the Cutting Edge — Feds Swat State Support for Medical Marijuana — Mapping the Internet… Read More
The New Rules Journal – Fall 1999
Feature Stories:
Deep Pockets or Open Hans: Credit Unions Struggle Over Size — Hogging the Market — Got (Local) Milk — A Case of the Good Stuff… Read More
Public Banking: A Model for the District of Columbia (1976)
In 1976 ILSR published “Public Banking: A Model for the District of Columbia.” The brief by Bill Batko offered a detailed discussion of a neighborhood based banking system with the city of 750,000 acting as a central, wholesale bank.… Read More