Re-Regulating banks: the unfinished agenda

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It is argued that bank regulation is required to protect depositors who are less risk averse than bank shareholders. The ongoing financial revolution has generally benefited consumers of financial services by increasing competition and broadening the range of products. More and more people have, however, been excluded. The paper considers whether further regulation is required to ensure that the financially excluded gain access to payments services and overdrafts and loans. It is concluded that there is plenty of scope for involving banks, credit unions and other new mutuals in the elimination of financial exclusion.


Original languageEnglish
Pages (from-to)9-15
Number of pages7
JournalJournal of Financial Regulation and Compliance
Issue number1
Publication statusPublished - 1 Jan 2000

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