The insight was that criminals in society do the same calculation of the probability of getting caught times the potential punishment while determining whether to choose a criminal lifestyle and what crimes to engage in; conversely, if criminals responded in this manner to economic incentives rather than (only) because they had character flaws or mental illnesses, then how should laws and their enforcement be organised taking into account the costs of enforcement, and might it be excessively costly and economically undesirable in practice to reduce crime rates to zero?
The proposed metrics in the ANPR would rely on existing data to the greatest extent possible. Small banks would be exempt from deposit data collection and reporting requirements, and data used for the lending analysis would be the same as is used for current examinations.