Boston University School of Law


Dismantling Large Bank Holdings
for Their Own Good and for the Good of the Country

Tamar Frankel
Boston University School of Law

Boston University School of Law Working Paper 13-05
(March 22, 2013)


This paper suggests that bank holding companies are in fact “financial malls.” I demonstrates the problems that they pose for the financial system, not only by size but by inefficient and inappropriate concentration. The article suggests restructuring of bank holding companies by introducing more market discipline to the various “shops” in the mall as well as concentrating services for the purpose of efficiency. The Article concludes with suggestion that rather than imposing a restructure by law it may perhaps be possible to entice managements that look to the long-term future to follow a restructure voluntarily.

Size KB

Adobe Acrobat Reader v3.01 or greater is required to view this paper.
To obtain a free copy, click the button below

Tamar Frankel Contact Information
Boston University School of Law
765 Commonwealth Avenue
Boston, MA 02215
United States
Email Address:
Phone: (617) 353-3773
Fax: (617) 353-2444

This draft can be also found at the link below: