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Are there countries in which the gender-based division of labor or disparities in resources or power between males and females are so small as to have minimal implications for human well-being, economic growth, and poverty reduction? We examine this issue here. To preview our conclusion: although some countries have more numerous or extreme gender disparities or forms of female (or male) disadvantage than others, no country is entirely free of the gender patterns that we know to be harmful for development and the improved well-being of the population. Possible gender-related barriers to growth and poverty reduction therefore need to be con- sidered in all countries. Engendering Development reaches three important conclusions about. | Banking Regulation Its Purposes Implementation and Effects Fifth Edition Kenneth Spong Division of Supervision and Risk Management Federal Reserve Bank of Kansas City 2000 First Edition 1983 Second Edition 1985 Third Edition 1990 Fourth Edition 1994 Fifth Edition 2000 Copies of this book may be obtained from Public Affairs Department Federal Reserve Bank of Kansas City Kansas City Missouri 64198-0001 This book can be obtained in electronic form from the Federal Reserve Bank of Kansas City s website located at http www.kc.frb.org under Publications or Supervision and Risk Management. This service contains a wide array of information and data from the bank s Economic Research Community Affairs Supervision and Risk Management Financial Services Public Affairs and Consumer Affairs departments and the Center for the Study of Rural America. Foreword Throughout U.S. history banking regulation has been an important factor in establishing the role of banks within the financial system. This will continue to be true with the pathbreaking banking legislation that was passed in 1999 and with the many revolutionary changes that are taking place in our financial system today. Most notably the 1999 legislation is opening the door for banking securities and insurance activities to be merged together. At the same time technological innovation new financial theories and ideas changes in the competitive environment and expanding international relationships are all leading to a remarkable transformation in how the financial system operates. Among the more significant and ongoing changes are interstate banking banking over the Internet a broad array of new financial services and a rapid increase in our capacity to process and utilize financial information. As a regional institution and an integral part of the nation s central bank the Federal Reserve Bank of Kansas City places much emphasis on its role in monitoring developments within banking and promoting a stable and competitive .
