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HE thi-ee federal agencies that regulate US, commercial banksthe Federal Deposit Insurance Corporation (FDIC), Federal Reserve FED) and Office of the Comptroller of the Currency (0CC)-recently adopted new capital adequacy standards for hank supervision and regulation purposes.' The new minimum standards are 5,5 percent for the ratio of primary capital to total assets and 6 percent fot-the ratio of total capital to total assets.' In general, the new standards increase the minimum capital requirements for larger banks, while reducing them for' smaller banks,

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This paper provides an empirical evaluation of collective bargaining's impacts on salary, compensation (salary plus fringe benefits) and promotion for faculty at unionized four‐year colleges and universities during the 1970's. The results suggest that there have been no general economic gains associated with the adoption of collective bargaining by college and university faculty.