Regulation: Too much or not enough? Finding the balance – Roper Your Financial FactSheet 15 years ago Jamaica Observer: The world financial crisis brought on by the sub-prime mortgage debacle in the United States has placed the question of regulation at the forefront of the debate on how to bring the world’s financial landscape back on an even keel. The fall of Lehman Brothers and Bear Stearns was incredible. But what followed was equally mind-boggling.