- Europe - 10 years after the Great Financial Crisis, what has changed in banking regulation and supervision, and what are the new challenges?
Event · 17 September 2018
The FSI–BCBS meeting assessed how a decade of post-crisis reforms—Basel III implementation, strengthened supervision, and new resolution regimes—has reshaped the resilience of Europe’s banking…
- Sabine Lautenschläger: The evolution of banking regulation
Speech · 12 March 2019
Sabine Lautenschläger reviews the core design choices of Basel III—including the balance between risk-sensitive capital requirements and non-risk-based backstops—and defends the framework’s…
- Michelle W Bowman: Building a community banking framework for the future
Speech · 7 October 2024
Bowman discusses how community banks should be defined in a changing financial landscape and critiques whether current supervision and regulation are appropriately calibrated to their size, business…
- The universe of supervisory mandates - total eclipse of the core?
Survey, Report · 9 March 2021
Surveying 27 jurisdictions, the paper finds that supervisory authorities now operate under a growing list of objectives (consumer protection, competition, innovation, climate, AML/CFT, resolution…
- Sabine Lautenschläger: Looking ahead - closing remarks at the ECB Forum on Banking Supervision
Speech · 11 November 2015
She argues that, after nearly a decade of post-crisis rulemaking, global regulators must conclude the reform development phase and focus on rigorous, risk-based implementation, resisting political…
- Abdul Rasheed Ghaffour: Closing keynote address - 2021 Malaysian Banking and Finance Summit
Speech · 9 November 2021
He reflects on the pandemic’s profound disruptions and parallels them with structural shifts in finance, including rapid digitalisation, new business models, and shifting consumer expectations.…
- Michelle W Bowman: Independence, predictability, and tailoring in banking regulation and supervision
Speech · 13 February 2023
Bowman begins with the monetary policy backdrop, stressing that inflation is still too high, the policy rate will likely need to rise further and remain restrictive, and that restoring price…
- Report on the impact and accountability of banking supervision
Report · 2 July 2015
The report reviews how banking supervisors—facing expanded mandates and more intrusive post-crisis practices—attempt to measure whether their supervisory actions actually strengthen bank resilience…
- Sweden's digitization strategy 2025–2030
Strategy, Roadmap · 28 May 2024
This strategy is a national roadmap to leverage digital transformation and AU for societal benefit. Its overarching goals are to enhance citizen benefits, improve public welfare, boost national…
- Supervisory Effectiveness and Bank Risk
This paper investigates the role of banking supervision, measured in terms of enforcement outputs (i.e. on-site audits and sanctions), in containing bank risk-taking. First, a direct relationship is…
- Technology Shocks and Monetary Policy: Assessing the Fed's Performance
14 March 2002
The purpose of the present Paper is twofold. First, we characterize the Fed's systematic response to technology shocks and its implications for US output, hours and inflation. Second we evaluate the…
- Phoenix Rising: Legal Reforms and Changes in Valuations in Finland During the Economic Crisis
28 October 2006
Finland experienced an extremely severe economic depression in the early 1990s. As a part of the government's crisis management policies, significant new legislation was passed that increased…
- European Banking, Insurance and Investment Services Law: Cutting Through Sectoral Lines?
28 October 2015
Financial law and supervision are to a large extent divided into three separate branches – banking, securities and insurance law – reflecting the three traditional sectors of the financial industry.…
- The principle of proportionality as an area of national discretion
30 August 2023
It has already been discussed in detail in CEBS’s technical advice to the European Commission on options and national discretions of 2008: the principle of proportionality has been an important theme…
- Misdiagnosis: Incomplete Cures of Financial Regulatory Failures
30 July 2014
In the aftermath of the global financial crisis, U.S. authorities are attempting to improve financial regulation and supervision. This involves a three-step process: (1) diagnosis of what went wrong…
- Surprised or Not Surprised? The Investors’ Reaction to the Comprehensive Assessment Preceding the Launch of the Banking Union
3 February 2016
Did the Comprehensive Assessment (CA), preceding the Single Supervisory Mechanism’s launch in Europe, achieve its aims of producing new valuable information for the market? We show that the CA…
- Measuring the Quality of Banking Supervision Revisited: Assessments by German Banks Before and During the Financial Crisis
This contribution presents and discusses main results of a new survey on the assessment of supervisory quality among German banks in 2010. In particular, it is analyzed if and how supervised banks’…
- Rules and Discretion(S) in Prudential Regulation and Supervision: Evidence from EU Banks in the Run-Up to the Financial Crisis
5 August 2025
Prior to the global financial crisis, prudential regulation in the EU was implemented non-uniformly across countries, as options and discretions allowed national authorities to apply a more favorable…
- Financial Supervision in Ireland: Where to Now?
Report · 19 July 2011
The papers outlines the regulatory failure associated with the Irish banking crisis 2008-2010. The papers aim is to parse out the weaknesses in the supervisory system and providing a number of…
- Entrepreneurship and Technology Choice with Limited Contract Enforcement
13 January 2012
Cross-country data shows a strong positive correlation between the level of financial contract enforcement and macroeconomic development. This paper emphasizes the role of entrepreneurial investment…
- How and When Exercising Financial Supervision Can Enhance Central Bank's Independence
4 August 2012
ording to the current literature concentrating monetary policy and supervisory policy functions in the central bank weakens the anti-inflationary credibility of this institution. In this paper we…
- Regulating and Supervising Credit Rating Agencies in the European Union
Report · 31 August 2016
This paper addresses a pressing issue in connection with adequately tackling the recent financial crises: the regulation and supervision of credit rating agencies in the European Union. The paper…
- Should Banking Supervision and Monetary Policy Tasks Be Given to Different Agencies?
14 February 2000
This paper adds some new arguments to the thesis that the responsibility for banking supervision should be assigned to an agency formally separated by the Central bank. We also provide some…
- Obstacles to Optimal Policy: The Interplay of Politics and Economics in Shaping Bank Supervision and Regulation Reforms
5 May 2000
This paper provides a positive political economy analysis of the most important revision of the U.S. supervision and regulation system during the last two decades, the 1991 Federal Deposit Insurance…
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