Scoundrel or Scapegoat? Reassessing the Office of Thrift Supervision’s Performance Before the 2008 Financial Crisis

Scoundrel or Scapegoat? Reassessing the Office of Thrift Supervision’s Performance Before the 2008 Financial Crisis

Scoundrel or Scapegoat? Reassessing the Office of Thrift Supervision’s Performance Before the 2008 Financial Crisis

This research attempts to determine whether Congress was justified in shutting down the Office of Thrift Supervision (OTS) in the wake of the 2008 financial crisis. I do so by comparing its performance with that of the other federal banking regulators: the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency (OCC), and the Federal Reserve.

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