Magazine

Regulation Without Accountability Threatens Banking’s Future

Ian Tyler examines the balance between effective regulation, financial stability, and accountability in modern banking supervision. Drawing on more than three decades of experience in treasury, capital management, and regulatory engagement, he argues that stronger oversight of regulators is essential to achieving better policy outcomes. The article explores proportionality, capital requirements, ring-fencing, regulatory independence, and the unintended consequences of certain post-crisis reforms, while highlighting the need for a framework that supports resilience, competition, growth, and innovation.