Policing the Banks Is an Inside Job

Unlike other financial police, banking regulators either have no whistle-blower programs that provide incentives and protections for individuals to break their silence about wrongdoing they witness, or these regulators have little-known programs with comically small awards.

.. Without robust whistle-blower programs, bank regulators are like beat cops who don’t have a working 911 system.

.. Mary Jo White, the S.E.C. chairwoman, said recently that the program had been a “game changer” for the agency.