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The American Bankers Association (ABA) is a Washington, D.C.-based trade association for the U.S. banking industry. Founded in 1875, ABA today represents banks of all sizes and charters, including community banks, regional and money center banks, savings associations, mutual savings banks, and trust companies, with the average member bank having approximately $250 million in assets.〔 Like many large trade associations, ABA's principal activities include lobbying, professional development for member institutions, maintenance of best practices and industry standards (for example, routing transit numbers), consumer education, and distribution of products and services.〔(【引用サイトリンク】url=http://www.aba.com/About/Pages/default.aspx )〕 ABA is considered the largest financial trade group in the United States.〔(【引用サイトリンク】url=http://www.bankdirectoriesonline.com/index.php?app=cms&ns=bankshow&ref=aba )〕 ==History== The origins of the American Bankers Association are in the Panic of 1873, when St. Louis, Missouri banker James Howenstein found himself in “a tight squeeze,” with only a few hundred dollars in funds and millions of deposits to pay. Relying on help and intelligence from peer bankers in the form of frequent correspondence, Howenstein escaped his dilemma and realized the value of a bankers’ fraternal organization. Howenstein later recalled: :The 1873 panic was a well spring of subject matter for correspondence and we cashiers availed of it for the general information. We were acquaintances before we had seen more of each other than handwriting; we were friends before we knew it. But the time had now come for something better. With our pens we had wished each other the good cheer of a Merry Christmas and a Happy New Year, and that scarcely discharged the pensiveness of our unrelief of bank work. We wanted to meet each other. The desire possessed us to engage the mind for a season in new and restful and indeed educational objects to mitigate and counteract the despotism of money; to make some dividends out of our lifetime and set apart some days in the year to the extinguishment of bad debts which the eager pursuit of business had imposed on nature, to pause at regular intervals to put aside something to rest-fund.〔 Howenstein convened a group of 17 bankers in New York City on May 24, 1875; they planned the first convention for the new American Bankers Association, which opened on July 20, 1875, in Saratoga Springs, New York, with 349 bankers representing 31 states and the District of Columbia.〔 The initial constitution called for the association to: :promote the general welfare and usefulness of banks and banking institutions, and to secure uniformity of action, together with the practical benefits to be derived from personal acquaintance and from the discussion of subjects of importance to the banking and commercial interests of the country, and especially in order to secure the proper consideration of questions regarding the financial and commercial usages, customs and laws which affect the banking interests of the entire country, and for protection against loss by crime.〔 Among the ABA’s earliest activities was the American Institute of Banking, which was founded in 1903 to provide professional education via examinations and certificates through local chapters. AIB provided an alternative path to careers in banking to collegiate training in finance and law. The ABA, first headquartered in New York City, organized its activities through sections focused on particular bank types. The trust company section was organized in 1896, followed by one for clearing houses in 1899, savings banks in 1902, and state bankers associations in 1908. The ABA’s growth continued with the emergence of the Federal Reserve System, which required national banks to be members of a Federal Reserve Bank and provided the option to state-chartered banks. In 1915, the ABA organized a section for national banks and an additional section for state banks in 1916. To facilitate advocacy before the Comptroller of the Currency, the national bank section opened the ABA’s first office in Washington, D.C., in 1919. The state bank section also used the Washington office to represent its banks’ interest before the Federal Reserve. In 1925, to commemorate the ABA’s 50th anniversary with “a gift to economic education in America,” the ABA organized an Educational Foundation, with bankers and state associations contributing an initial $400,000 to provide scholarships to study banking, finance, and economics. The Educational Foundation went on to house the ABA’s youth financial literacy initiatives. The 1930s saw an expansion of the ABA’s professional development activities led by Harold Stonier, ABA’s executive from 1937 to 1952.〔 Stonier founded the ABA Graduate School of Banking at Rutgers University in 1935 with 220 students. The school later moved to Wharton School of the University of Pennsylvania, and in 2007, the Graduate School was named after Stonier.〔(【引用サイトリンク】url=http://www.abastonier.com/about-stonier/history/ )〕 ABA launched other professional development programs in the years that followed, including for bank marketers, compliance officers, trust bankers, and commercial lenders.〔(【引用サイトリンク】url=http://www.aba.com/Training/Schools/Pages/default.aspx )〕 Federal-level advocacy became increasingly important to ABA members over the 20th century. The 1933 Banking Act established the Federal Deposit Insurance Corporation, separated commercial banking from investment banking under the Glass-Steagall provision, and the Bank Holding Company Act of 1956 brought additional Federal Reserve oversight to bank holding companies.〔 With these changes in the industry, the ABA consolidated its operations in its current Washington, D.C., location in 1971, closing the New York office. The ABA achieved a major goal with the passage of the Gramm-Leach-Bliley Act in November 1999. Noting that “bankers urgently needed new competitive tools to serve their customers,” ABA’s executive vice president at the time, Donald Ogilvie, attributed the law’s passage to “the deliberate actions of many bankers asking their members of Congress to take action now” and the ABA and state bankers association officers and leaders who “patiently lobbied, cajoled, and bargained with one Congress after another to help make financial modernization a reality.” In December 2007—eight years after an earlier, abortive attempt—the ABA merged with America’s Community Bankers to form the largest trade association in the financial industry, representing at that time 95 percent of the banking industry’s assets. Over several years, the merger saw the combination of many activities, including the merger two for-profit subsidiaries that provided products and services to members and the integration of the ABA’s Education Foundation with the affordable housing activities and Habitat for Humanity partnership of ACB.〔(【引用サイトリンク】url=http://www.aba.com/Engagement/Pages/default.aspx )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「American Bankers Association」の詳細全文を読む スポンサード リンク
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