Did US Bank Supervisors Get Tougher during the Credit Crunch? Did They Get Easier during the Banking Boom? Did It Matter to Bank Lending?

Allen N. Berger and Margaret K. Kyle, Prudential Supervision: What Works and What Doesn't (University of Chicago Press, 2001), chap. 9, https://www.nber.org/books-and-chapters/prudential-supervision-what-works-and-what-doesnt/did-us-bank-supervisors-get-tougher-during-credit-crunch-did-they-get-easier-during-banking-boom-did.