Breakingviews - In praise of American finance’s regulatory mess

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From Breakingviews - In praise of American finance’s regulatory mess

In the run-up to the 2008 financial crisis, it became clear no single authority had visibility over the entire financial factory floor. Yet rather than consolidate regulators after that, Congress instead created two new ones: the Consumer Financial Protection Bureau, and a pan-agency talking shop, the Financial Stability Oversight Council. Today it’s still unclear who, if anyone, should be policing current high-growth hot spots like private credit funds and asset management.

Meanwhile, there’s less opportunity for lobbyists and politicians to strong-arm a scattered system. China’s highly centralized model has made it ripe for cycles of graft followed by purges, with former bank regulators among those prosecuted for corruption. Before 2008 the British government pressured its super regulator, the Financial Services Authority, to maintain a light touch - with disastrous consequences. Diversification even extends to how Uncle Sam’s regulators are funded.

To China's planners, such freestyling may seem the equivalent of rats fighting in a sack. Since 2008, officials in Beijing have criticized the United States’ financial excesses and its “warped conception” of financial discipline. But then again, a country with relatively young financial markets couldn’t replicate the battle-scarred, politically dispersed American system even if it wanted to. That’s China’s loss.

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Breakingviews johnsfoley Corruption in the financial system is worldwide pandemic

that entire space is just so stupid. is the original protocol and can do it all today just like back in 2008. BTC is not Bitcoin and is useless.

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