There is no guarantee that this extra scrutiny will prevent problems, but it is likely to help. The general point from both these examples is that there are tensions in financial regulation. Regulations are introduced to address one issue, and another issue emerges.
Many countries have had the experience of regulating one aspect of the financial system only for other parts to grow very quickly, and problems to emerge in those other parts. I do not want this to be interpreted as a counsel of despair. But we need to be cognisant of the limits of rules alone.