{"product_id":"an-exploration-of-effectiveness-in-the-regulation-of-federal-depository-institutions-19892008-9780739179352","title":"An Exploration of Effectiveness in the Regulation","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eFinancial 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 infor\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eChapter 1: Introduction Statement of the Problem Figure 1.1: Total Assets Under Supervision, 1998 through 2008 Figure 1.2: Mentions in the Congressional Committee Reports by Agency, 1995 through 2008 Research Question Regulatory Effectiveness Figure 1.3: Failure Rates Expressed as Percentage of Regulated Institutions by Agency, 1998 through 2008 Understanding Bank Failure: The Case of Superior Bank  Agency Relationships with their Regulated Communities Figure 1.4 Ideal Regulatory Agency Policymaking Understanding Self-funding and Charter Competition Overview of Study  Chapter 2: The Challenge of Distilling and Examining a Theory of Regulatory Effectiveness Table 2.1:  Selected Scholarship on Regulatory Effectiveness Working Model of Regulatory Effectiveness  Figure 2.1: Working Model of Regulatory Effectiveness           Regulatory Effectiveness Propositions Study Design  Table 2.2: Agency Comparison The Agencies            National Credit Union Administration           Office of Thrift Supervision           Office of the Comptroller of the Currency           Other Regulators Operationalizations, Data, and Data Analysis Table 2.3: Empirical Examination: Concepts, Variables, and Data Sources   Chapter 3:  The Impact of Agency Longevity on Financial Services Regulatory Effectiveness Table 3.1: Relationships Between Longevity and Financial Resources by Agency Overview of the Statistical Models Agency Longevity and Failures Table 3.2: Impact of Agency Age on Failures of Regulated Institutions Conclusion  Chapter 4: The Impact of Ability to Manage Political Complexity, Front-line Employees, and Political Appointee Turnover on Regulatory Effectiveness Congressional Attention and Front-line Staff Table 4.1: Impact of Congressional Attention and Percentage of Examiners on the Failures of Regulatory Institutions               Congressional Attention Figure 4.1: Congressional Testimony by Agency, 1999 through 2008 Table 4.2: Relationships Between Congressional Attention and Effectiveness              Front-line Staff Figure 4.2: Percentages of Examiners by Agency, 1998 through 2008 Table 4.3: Ratios of Examiners per Regulated Institutions by Agency, 1998 to 2008 A Narrative Analysis of Political Appointee Turnover Table 4.4: NCUA Political Appointees, 1989 through 2008 Table 4.5: OTS Political Appointees, 1989 through 2008 Table 4.6: OCC Political Appointees, 1989 through 2008 Figure 4.3: Number of Changes in Political Appointees by Agency, 1989 through 2008 Table 4.7: Relationships between Political Turnover and Effectiveness by Agency Conclusion  Chapter 5: Impact of Mission Stability, Regulatory Style, and Financial Resources on Regulatory Effectiveness Mission Stability               NCUA              OTS Figure 5.1: Mentions in the Congressional Record by Agency, 1989 through 2008               OCC Figure 5.2: Number of Changes in Mission by Agency, 1989 through 2008 Table 5.1: Mission Changes and Regulatory Effectiveness Regulatory Style              Non-legal Interventions                     Legal Interventions Figure 5.3:  Annual Legal Intervention Percentage by Agency, 1998 through 2008 Figure 5.4: Enforcement Rates as Percentages of Regulated Institutions by Agency, 1998 through 2008 Resources Figure 5.5: Budgets by Agency, 1995 through 2008 (in $2011) Figure 5.6: OCC, OTS, and NCUA Budget per Institution Regulated (in $2011) Table 5.2: Relationships Between Resources and Effectiveness Table 5.3: Impact of Mission Stability, Regulatory Style and Resources on Regulated Institutions General Discussion of Findings Conclusion   Chapter 6: Conclusions Summary of Key Findings Figure 6.1 Revised Working Model of Regulatory Effectiveness Normative Reflections Figure 6.2: Regulatory Agency Policymaking Future Research  Conclusions  References","brand":"Rlpg\/Galleys","offers":[{"title":"Default Title","offer_id":51037524361559,"sku":"9780739179352","price":83.7,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780739179352.jpg?v=1750936092","url":"https:\/\/bookcurl.com\/products\/an-exploration-of-effectiveness-in-the-regulation-of-federal-depository-institutions-19892008-9780739179352","provider":"Book Curl","version":"1.0","type":"link"}