13863. America's Savings and Loan Industry: Problems and Prospects. Examines the status of the U.S. Savings and Loan industry in the early 1990s, looking at the problems remaining after the virtual collapse of the thrift industry, and at the prospects for future recovery. Examines the causes behind the thrift failures and the implications for remaining solvent institutions. Argues that while the S&L debacle proves the need for improved regulatory oversight of this industry, the crisis of the 1980s has not left Americans without safe investment havens. 9 pages, 21 footnotes, 14 bibliographic references.