Mr. Ryan, who has resigned as director of the Office of Thrift Supervision, used a speech to the Savings and Community Bankers Association on Monday as a farewell address. An edited version appears below.

Regulators face the challenge of maintaining a continuing safe, sound, and profitable thrift industry as demand for credit for housing of all types increases, and as the landscape for financial institutions continues to change.

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.