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Office: 022B

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Alexis D. Lanham

Associate Director of Student Affairs
Phone: (812) 855-1888
E-mail: adlanham [at] indiana [dot] edu



Indiana Law students can build their own plan of study by taking classes from a number of different areas, or they can choose an area of focus.

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B769 Banking Law

Description Banks are given specific and special powers in light of their roles assisting governments, entities, individuals and communities, and enjoy specific benefits such as access to deposits that the FDIC or credit union insurance funds insure. The availability of deposit insurance also created incentives to control risks that banks may take with insured deposits and generated many of the limitations on bank powers of the past and today. This is a survey of laws applicable to corporations chartered specifically as banks by federal or state agencies, and, to a lesser extent, to those operating as chartered savings and loan associations or thrifts, and credit unions. It covers chartering, branching, powers, preemption, antitrust considerations specific to acquisitions by banks, bank holding companies, and thrift holding companies, and limitations on the types of entities that banks may own and invest in or that bank and thrift holding companies may own or invest in. Some rudiments of administrative law also arise. We will cover some basics, and also work on how the new regulations required by the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act, consider proposals to create non-bank federal charters for non-depository providers of credit and insurance products, and debate the merits of derivatives regulations and new securities regulations that emanated from Dodd-Frank, as well as preemption standards and the issue of whether any financial services company including banks and bank holding companies should be treated as #too big to fail.# We also may see the EU revise requirements for banks operating inside its borders and continuing or increasingly stringent trade and financial sanctions against Syria and Iran. Thus, this #survey# course requires us collectively to follow banking and capital markets developments and to study the basic architecture of bank regulation at the same time. But in doing so, we#re not doing anything that could not happen in securities regulation or in constitutional law or tax # fields in which changes happen constantly, if by differing degrees.

Faculty S. Hughes

Spring 2013 - 2014Banking LawHughes
Spring 2012 - 2013Banking LawHughes
Spring 2010 - 2011Banking LawHughes
Spring 2009 - 2010Banking Law (syllabus)Hughes