Introduction -- The challenge of distilling and examining a theory of regulatory effectiveness -- The impact of agency longevity on financial services regulatory effectiveness -- The impact of ability to manage political complexity, front-line employees, and political appointee turnover on regulatory effectiveness -- Impact of mission stability, regulatory style, and financial resources on regulatory effectiveness -- Conclusions -- Appendix A: NCUA regression models -- Appendix B: OTS regression models -- Appendix C: OCC regression models -- Appendix D: Correlations for NCUA -- Appendix E: Correlations for OCC -- Appendix F: Correlations for OTS -- Appendix G: Descriptive statistics for NCUA -- Appendix H: descriptive statistics for OCC -- Appendix I: Descriptive statistics for OTS.
