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Financial statements, Consolidated --- Finance, Public --- Management. --- United States --- Appropriations and expenditures.

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Capital market --- Capital market --- Financial institutions --- Financial institutions --- Financial risk --- Disclosure of information --- Transparency in government --- Financial crises --- Economic stabilization --- Banks and banking --- Accounting. --- Management. --- Accounting. --- Management. --- Law and legislation --- State supervision --- Troubled Asset Relief Program (U.S.) --- United States. --- United States --- Economic policy

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Administrative agencies --- Government spending policy --- Waste in government spending --- Management. --- Prevention.

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Executive departments --- Executive departments --- Executive departments --- Computer security --- Waste in government spending --- Management. --- Auditing. --- Computer networks --- Security measures --- Government policy --- Prevention. --- High-risk series.

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This testimony (1) describes how regulation has evolved in banking, securities, thrifts, credit unions, futures, insurance, secondary mortgage markets and other important areas; (2) describes several key changes in financial markets and products in recent decades that have highlighted significant limitations and gaps in the existing regulatory system; and (3) presents an evaluation framework that can be used by Congress and others to shape potential regulatory reform efforts.

Financial crises --- Financial institutions --- Financial institutions --- Financial institutions --- Management. --- Law and legislation --- Government policy