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… problems are often involved in charges of under-regulation— notably where this results from a lack of information-gathering on the risks and risk creators tha … regulation is often associated with «over-stringent» and «over-prescriptive» regulation that reduces the possibilities The meltdown of a financial system, for instance, may be regarded as a failure of regulatory instrument choice and de Institutional theories (of different ilks) tend to agree that institutional structures and arrangements, as well as social processes Another possible cause of failure that different institutionalists might note is the overlapping of different organizational understandings and