Law and regulation Has Bank Regulation Gone Loopy? Published March 26, 2013 12:22 PM | Updated February 10, 2020 10:45 AM 2:51 Facebook Twitter LinkedIn Email Bankers these days face the prospect of getting penalized for everything from "disparate impact" to the actions of auto dealers and other third-party partners. That raises the question of whether such regulation is effective, enforceable or fair.