For decades, the promise of post-Crisis reform was uniformity: a shared architecture of rules to guard against systemic risk. But uniformity, while administratively elegant, has come to reveal its own structural flaws. In a financial system marked by institutional diversity — across size, complexity, business model, and geographic reach — the case for precision over prescription is sharpening, and “tailoring” of regulatory fit is becoming a central design challenge.
As compliance burdens grow and consolidation accelerates, policymakers are beginning to ask whether one-size-fits-all frameworks serve the public interest, or whether they risk undermining it by placing unsustainable and unnecessary burdens on smaller, lower-risk institutions whose business models support financial pluralism and regional resilience.
This content is available to both premium Members and those who register for a free Observer account.
If you are a Member or an Observer of Starling Insights, please sign in below to access this article.
Members enjoy full access to all articles and related content from past editions of the Compendium as well as Starling's special reports. Observers can access a limited number of articles and may purchase articles on an ala carte basis.
You can click the 'Join' button below to become a Member or to register for free as an Observer.
Join The Discussion