By Dalvinder Singh
Dalvinder Singh offers an interdisciplinary research of the felony facets of prudential supervision of economic financial institution conglomerates. this provides the reader a broader figuring out of the middle procedures of banking supervision. through the use of the united kingdom as a case examine, a comparative procedure is made with different international locations akin to the USA to demonstrate the several methods of regulating a 'deregulated market'. the writer examines the theoretical, financial, political and coverage matters that underpin the aim of prudential supervision. those views are awarded interchangeably to demonstrate the real elements of banking supervision. An research is made from the real good points of prudential supervision resembling, company governance, enforcement sanctions, the position of exterior auditors and responsibility of monetary regulators. those are thought of within the context of broad-policy concerns which render prudential supervision priceless, specifically monetary balance and depositor security. The publication should be of curiosity to teachers, policymakers, regulators and practitioners. both, the paintings will serve expert undergraduate and postgraduate programmes in economics, legislations and administration which specialise in monetary rules.
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147 However, the amalgamation of a whole host of regulators under a single body will take time to bring about a ‘single regulatory culture’. Indeed, the bringing together of the different cultures of regulation and experience is itself no easy task. The plurality of regulatory cultures cannot be eradicated by simply subsuming them into a single framework of regulation and supervision, even if it is risk based. 148 A single regulator may be able to see group activities better from a group compliance point of view, but the specialisation and knowledge an individual regulator may have of a single group entity is something that cannot simply be ignored.
197 above. 218 Board of Governors of the Federal Reserve System, ibid. , at p. 72; for some observations about the dual responsibility see Kushmeider, n. 185 above, at p. 12. 220 The oversight the Federal Reserve exercises over the respective holding companies is deemed necessary for the purposes of gauging the groups’ safety and soundness. 225 Its most important function is the administration of the deposit insurance fund, which provides protection of up to $100,000 to an individual depositor.
206 Title 12 USC, Chapter 16. 207 12 USC, Chapter 1. 208 12 USC, Chapter 3. 209 12 USC, Chapter 12. 210 12 USC, § 1813 (q) (1)–(4). 211 12 CFR. 212 12 USC, § 21–27. 213 12 USC, § 481. 214 12 USC, § 161. 215 See generally pp. 69–72. 216 OCC (1996) Bank Supervision Process, at p. 1; OCC, Comptroller of the Currency Administrator of National Banks (2005) A Guide to the National Banking System, Washington DC, April, at p. 3. 217 Federal Reserve Act 1913; Board of Governors of the Federal Reserve System, n.