Patterns or practices of violations A second issue is the possible imposition of civil money penalties when the enforcement agencies find that there is a pattern or practice of violations.
This is indeed what has happened over the past five years. In addition, the principle of balancing safety and soundness with the need for appropriate risk-taking is reflected in the extensive tailoring framework that the Board adopted over this time period, which carefully and deliberately matched regulation and supervision to the actual risks presented by different institutions.