A BALANCED APPROACH: "We had some weaknesses we needed to plug. I think there is always a tendency of overreaction. We have to be careful we don't damage an industry," says Drew Breakspear, Florida's banking commissioner.

Florida Commissioner Brings Banker's Mind to Industry Regulation

Drew Breakspear spent decades as a banker before becoming the top industry enforcer in Florida. He is empathetic to banks, realizes the growing importance of virtual currencies like Bitcoin and believes more bankers should serve on the Fed's Board of Governors.

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