well that strong so called sets of regs were obviously working for BCCI, that is why the BofE lost it
two regs I would bring in
1) No retial bank allowed to do investment banking, if they want to do that it must be totally seperate ad not as now
2) no mortgage to be give out of more than 90% value and multiple of income limited to 3.5 or 4, now obviously that would limit house price growth, good.