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Selections such as "excessive risk", "necessary steps", and "prudential regulatory policies" make me think this article, in its present state, is portraying a point of view on this regulatory issue. Deranged bulbasaur 06:11, 5 March 2007 (UTC)[reply]
Can you check the text again please? I changed it, and I believe it should be fine now. osmannal2 18:31, 8 March 2007
It is still structured like a personal essay. The material is good, you just need to rewrite it in an encyclopedic style. --67.191.157.184 (talk) 23:28, 4 March 2009 (UTC)[reply]
I rewrote the intro to address the general topic of market discipline and properly introduce banking regulations. Mrdthree (talk) 12:36, 22 June 2009 (UTC)[reply]
This article is still structured like a personal essay and needs to be rewritten to be more encyclopedic if it is going to remain on the mainspace. Also I do not see how this is anything but a specific instance of moral hazard, it looks like both articles could benefit if they were merged. Voiceofreason01 (talk) 18:04, 14 January 2010 (UTC)[reply]
