The motivation behind the law is to provide incentives for banks to address problems while they are still small enough to be manageable. Spong (2000, pages 90–95) summarizes the details (http://www.kansascityfed.org/publicat/bankingregulation/RegsBook2000.pdf).
The purpose of this legislation is to motivate banks to address problems early on, before they become too large and difficult to handle. Spong (2000, pages 90–95) provides a comprehensive explanation of the law's details in his work (http://www.kansascityfed.org/publicat/bankingregulation/RegsBook2000.pdf).