Can regulators avoid the next financial crisis?

Paper details:

You are free to use any hypothesis and the variables as long as your analysis is meaningful and tackles the research question. The written report should be strictly no more than 2000 words. However, the quality of the content is more important than the length. Full references must be provided and quoted clearly in the reference section. Needless to say that the report findings should be substantiated and explained with the appropriate published literature. You will collect your dataset based on the literature published in the academic journals You may use to download your essay data set (balance sheet & income statements) following possible databases: i) SNL Financial ii) Bankscope (note that the sample period might be short) iii) for FDIC all reports from 1992: https://www5.fdic.gov/sdi/download_large_list_outside.asp iv) FED Chicago commercial bank data: https://www.chicagofed.org/banking/financial-institution-reports/commercial-bank-data v) FED Chicago bank holding company data: https://www.chicagofed.org/banking/financial-institution-reports/bhc-data vi) for updated bank and bank holding company list: https://research.fdic.gov/bankfind/ vii) for aggregate bank financial information: https://www5.fdic.gov/SDI/SOB/ viii) if needed OCC database for detailed market-level data: http://www.optionsclearing.com/market-data/volume/