First, I would dearly have loved to install a regulatory sandbox in Germany as a way of nurturing and learning from the FinTech sector – but not everyone in Germany backed that initiative.
Second, I would have liked to have done more to harmonise financial reporting standards; I’m sad to say that the IFRS and US GAAP today are further apart than they were in 2010. Third, there is the matter of the regulatory treatment of government bonds – an international accord on this topic has now become a rather distant prospect, much to my regret.