The Political Economy of Banking Regulation, 1864–1933
研究了从美国内战到大萧条期间，银行社区如何影响塑造银行业结构的法律法规，以及州与联邦监管者之间的竞争如何削弱法律约束，但单位银行出于自身利益保留了部分监管。
The laws and regulations that shaped the structure of the banking industry from the Civil War to the Great Depression were strongly influenced by the banking community. In this period legal constraints on banks were weakened by competition between state and federal regulators trying to increase membership in their banking systems. The elimination of regulation was not completed, however, because the politically most powerful group in the industry, the unit banks, had an interest in preserving some regulations.