The collapse of Silicon Valley Bank, as well as the other financial institutions that failed during this time, highlights the risks faced by banks with business models serving a concentrated depositor base. Despite the need to consider differences between banks, policymakers may fail to appreciate significant differences between banking institutions and their business models. This Article differentiates banking institutions and discusses how different business models may influence bank enthusiasm and support for particular reforms.
* Hilary Sledge-Sarnor is Executive Vice President, General Counsel, and Corporate Secretary of GBank and GBank Financial Holdings Inc.
** Benjamin Edwards is a Professor of Law at the William S. Boyd School of Law at the University of Nevada, Las Vegas. Thanks to Claudio Arruda for research and assistance with the Article and to Stephani D. Christensen, Victoria Callier and others for helpful comments on earlier versions of this Article. Any errors and omissions remain ours alone.
The full text of this Symposium is available to download as a PDF.