A panel discussion on "Development of Bank Merger Law" is presented. Doug Broder, the co-head of the Antitrust Group at K&L Gates, said the panel is going to discuss the substantive competitive analysis of bank mergers. Bank mergers are subject to similar, but not identical, procedures. Bank mergers are analyzed under section 7, but with a difference. The relevant statutes are the Bank Merger Acts of 1960 and 1966 and the Bank Holding Company Act. For the most part, bank mergers do not require notification under the Hart-Scott-Rodino Act, but that's because they require approval from one of several regulatory agencies depending on what category the merging banks fall into. Empirical analysis tends to indicate that bank efficiency is negatively correlated to concentration. Nonetheless, concentration in specific markets seems to have negative consequences. This implies, first, that bank mergers will continue to be a concern for those who weigh the effects on competition.