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Administration agency AHCCCS allocation Amendments American analysis assets auto safety automobile bank card bank holding companies benefits Chevron codified commercial banks competitive Cong Congress consumers cost-benefit analysis costs Court crash credit card credit credit card interest decisions depository institutions deregulation diversification Econ economic effect efficient enforcement agent environmental EPA's example facilities Federal Reserve firms for-profit hazardous waste health care health plans hospitals implementation incentives increased industry infra interest rates interpretation investment issue issuers Journal on Regulation legislation loans MasterCard McCraw Medicaid ment monitor moral hazard Motor Vehicle National natural monopoly negotiated rulemaking NHTSA non-bank activities nonprofit organizations percent political pollution private enforcement problems proposed providers RCRA reform regulatory result risk role rule Shelf Registration social standards Stat statute Superfund supra note telecommunications theory thrift tion usury Yale Journal