In very broad terms, the prevalence with which one encounters allegations of incivility defines an important difference in economic views that distinguishes the United States from continental Europe - two peoples having deeply similar roots in political freedom and democracy.
There are divergences of opinion on this matter not only between the supervised institutions and the supervisors but also, in some cases, among the supervisors themselves. In order to assess both courses of action (modernise or redesign), it would appear to be the obvious approach to use current, accepted criteria in the field of prudential supervision.