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.