Unintended Consequences for Over-regulation

The financial services industry has undergone a turbulent six years. Widespread regulatory changes have and are being enacted to protect the global economy from a re-occurence from the crises that emerged in 2007. However, there is a risk that regulation itself will stimulate behaviour that may have unintended consequences for financial services and the wider economy. What are these consequences? And are they worse than the alternatives?

Gary Bowman

Research Associate, Cambridge Centre for Risk Studies

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