Date of Award

5-2026

Document Type

Thesis

Degree Name

Bachelor of Arts (BA)

Department

Social Sciences

First Advisor

Yu, Sherry

Area of Concentration

Financial Economics

Abstract

The financial system in the United States has often swayed between periods of rapid growth and financial crisis, resulting in a reactive regulatory framework. In this study major financial regulations that have been implemented in the United States are explained. Following is an analysis of financial crises that in the United States and the cyclical pattern that happens once one has begun. When a crisis occurs, there is an overhaul of the financial system and new regulations are introduced, there is then a period of deregulation once the system is stable and secure, and then crisis once again due to vulnerabilities being able to grow from the more relaxed environment. Recognizing this is important because it shows a recurring cycle, one which could be possibly avoided if regulators were more proactive in trying to prevent future crises instead of just waiting until crisis to acknowledge a weakness.

Rights

The author has granted New College of Florida the nonexclusive right to archive, make accessible, and distribute for educational purposes this work in whole or in part in all forms of media, now or hereafter known. The copyright of this work remains with the author.

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