1. What are the two basic reasons for regulating financial institutions and markets. Are these in place to protect consumers altruistically or the economy as a whole?
2. Why do commercial banks "hate" credit unions (an exaggeration to make a point) and what do commercial banks hope that the credit union segment will do?
3. Equifax: What does it do, is it a financial intermediary, what role does it play in the financial services industry, and what scandal is associated with? It is a stretch and merely a comment, but this may be an example of Too Big (or Complex) To Manage.