Related by context. Frequent words. (Click for all words.) 52 lax oversight 47 Mismanagement 46 Loopholes 44 perverse incentives 44 lax 43 oversight 42 largely unregulated 41 Overspending 41 loosely regulated 41 Stricter 40 kickback schemes 40 unregulated 40 byzantine 40 Unregulated 40 regulators 39 inefficient bureaucracy 39 mismanagement 39 greedy bankers 39 Unscrupulous 39 Skyrocketing 38 overcharge 38 Inadequate 38 taxpayer dollars 38 Defrauding 38 nonbanks 37 Tougher penalties 37 Inefficiency 37 overregulation 37 Fraud Scheme 37 Subsidizing 37 unintended consequences 37 Inefficient 37 overlapping jurisdictions 37 Tighter 37 overprescribing 37 Cost overruns 37 Overcharging 37 underfunding 37 confusing 37 bilk 37 overbilling 37 Shoddy 37 Audit Finds 37 inefficiency 37 Suit alleges 37 overexpansion 37 Regulators 36 FDIC Bair 36 overspending 36 multibillion dollar 36 watchdogs 36 Underfunded 36 Excessive 36 SPECIAL REPORT 36 Fraudulent 36 Multimillion dollar 36 bureaucratic maze 36 Clogged 36 Overhauling 36 Health insurer WellPoint 36 Flawed 36 investigative arm 36 Bureaucratic 36 underreporting 36 Chronic diseases 36 unscrupulous lenders 36 bureaucratic bungling 35 giants Fannie Mae 35 Critics contend 35 lightly regulated 35 regulations 35 Malfunctioning 35 chronic underfunding 35 Payday lending 35 grossly underfunded 35 regulate 35 Negligent 35 Critics 35 bureaucratic nightmare 35 HMOs 35 Faulty 35 regulating 35 Moral hazard 35 lax lending 35 Payday loan 35 underprice 35 credit raters 35 nonbank financial 35 unallowable 35 deceptive practices 35 Untangling 35 moral hazard 35 Escalating 35 overseers 35 bilked 35 reusing syringes 35 Scam artists 35 bureaucracies 34 Inaction 34 Spiraling 34 bilking