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Thomas M. Hoenig, vice chairman of the Federal Deposit Insurance Corporation from November 30, 2012 to April 30, 2018, recently participated in an interesting discussion at Metropolitan State University–Denver.

I was pleasantly surprised to hear Hoenig’s concerns about one way to approach financial regulation. Financial regulation is approached as a very long and detailed list of “if … then …” propositions. These propositions are intended to cover all potential scenarios and contingencies.

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