CeFPro Connect

Article
Regulation Without Accountability Threatens Banking's Future
Ian Tyler argues that effective regulation requires accountability, proportionality, and challenge. Drawing on decades of experience across treasury, capital management, consulting, and regulatory engagement, he examines how regulatory frameworks have evolved and where they may now be constraining competition, growth, and innovation.
Jul 27, 2026
Victoria Stubbs
Victoria Stubbs, CRO, The Cambridge Building Society
Tags: Operational and Non Financial Risk
Regulation Without Accountability Threatens Banking's Future
The views and opinions expressed in this content are those of the thought leader as an individual and are not attributed to CeFPro or any other organization

  • Ian Tyler argues that effective regulation requires accountability and challenge
  • Treasury and balance sheet management provide a holistic view of banking risk
  • Post-crisis reforms strengthened resilience but some measures may be overly restrictive
  • The UK’s approach to the countercyclical capital buffer differs from many major economies
  • Regulatory requirements should be more proportionate for smaller institutions
  • Greater parliamentary scrutiny and independent expertise are needed
  • Competition and growth should be considered alongside financial stability
  • Future regulation should balance resilience with proportionality
Log in to continue or register for free
WHAT'S INCLUDED:
Unlimited access to peer-contribution articles and insights
Global research and market intelligence reports
Discover Connect Magazine, a monthly publication
Panel discussion and presentation recordings
Sign in to view comments
ad
Related insights