In addition , the 50 American states each have separate bank regulators (with overlapping jurisdictions with the national regulators), most have savings bank regulators, all have credit union regulators, all have insurance regulators (which is solely a state responsibility), and all have securities regulators.
Конечно, эта система немного громоздка, и в ней существует проблема повторного выполнения работы различными органами.