Utah Center for Financial ServicesThe Utah Center for Financial Services (UCFS) is an independent research center funded by grants and focused on helping others to understand the dual-banking system and the role of state-chartered banks in the United States. UCFS partners with the Lassonde Entrepreneur Institute and the David Eccles School of Business at the University of Utah to develop targeted curriculum, provide projects for practical application, and offer networking opportunities with industry leaders for both future industry workers and those currently in the workforce.

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Latest News

The Barth Study Finds ILCs Thriving

James R. Barth and Yanfei Sun of Auburn University conducted a study for the Utah Center for Financial Services (UCFS) on how industrial loan companies (ILCs, a.k.a industrial banks) have performed compared to other FDIC insured institutions.The findings demonstrate ILCs perform better than all other FDIC institutions. (October 2018)

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Barth Report Released

The Utah Center for Financial Services has recently released a report “Bank Funding Sources: A New Look at Brokered Deposits” (“The Barth Report”) by Dr. James Barth and his colleague Yanfei Sun. (January 2018)

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Our Mission

Dual banking provides more opportunities for robust and safe financial services for Americans. Our mission is to support the dual banking system and financial service entities that benefit consumers.

  • We provide research and analysis to inform public policy leaders and regulators.
  • We educate the financial industry workforce through targeted curriculum and practical application.
  • We share resources and collaborate as a center to advance the financial services industry.