The regulation pendulum: stability vs growth
Three swings of the regulatory pendulum from 2007 to 2021, traded off against credit growth and economic recovery.
A 3:30 animated lesson on the post-Global-Financial-Crisis arc of banking regulation. Targeted at FIN301 Banking and Financial Markets students who need to understand why regulation is never settled — it tightens after crises and loosens during recoveries, then tightens again.
Three swings are visualised on a pendulum: the 2007 to 2010 tightening (Basel III, Dodd-Frank, ring-fencing in the UK), the 2017 to 2019 loosening (Treasury rollback of Volcker, EU CRD V softening, deregulation pushes in emerging markets), and the 2020 to 2021 recalibration (climate stress tests, operational resilience, anti-money-laundering enhancements).
The core tension is the trade-off between financial stability and economic growth. The lesson does not argue for one side. It shows the mechanism and lets the student form their own view.