Title page for ETD etd-06042012-091411

Type of Document Dissertation
Author Potter, Michael Ross
Author's Email Address mpotter3@yahoo.com
URN etd-06042012-091411
Title Striving for Balance: An Exploration of Regulatory Effectiveness in Financial Services Regulation, 1989 to 2008
Degree PhD
Department Public Administration and Public Affairs
Advisory Committee
Advisor Name Title
Hult, Karen M. Committee Chair
Khademian, Anne Meredith Committee Member
Roberts, Patrick S. Committee Member
Wolf, James F. Committee Member
  • Agency Longevity
  • Managing Complexity
  • Front-line Staff
  • Mission Stability
  • Regulatory Style
  • Resources
  • Regulatory Effectiveness
  • Regulatory Resiliency
Date of Defense 2012-05-18
Availability unrestricted
Financial services regulators are tasked with balancing the conflicting roles of empowering and policing their regulated communities. In order to be effective, agencies must be able to accomplish both tasks. This analysis examines several determinants of effectiveness among U.S. bank regulators. Using statistical and narrative analyses, it examines factors that have contributed to the regulatory effectiveness of the National Credit Union Administration, Office of the Comptroller of the Currency, and Office of Thrift Supervision. The study focused on the relationships between regulatory ability to prevent failures and influences including agency longevity, ability to manage complexity, appointee and staff qualities, mission stability, regulatory style, and resources. Agency longevity and resources had the greatest impact on effectiveness among the cases that were examined. Additionally, this study proposes a typology that suggests that more effective regulators are able to balance information from their regulated communities with a public interest orientation. This allows them to have current information regarding emerging regulatory issues but also to avoid becoming too reliant on their supervised institutions for information.
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