"Right now, we don't have an entity — an oversight entity, a government entity — that thinks to itself, 'What happens if this institution gets into trouble and is going to fail. What would we do about it at that time?' " Feldman says. "The primary focus of most supervision is to prevent them from getting into trouble. And I think it sounds like a generic thing — 'Well, you change your focus.' That's not trivial. That's important. Because it's by focusing on what we would do if they got in trouble that this stuff gets revealed."