Department of the Treasury Blueprint for Actions -- Contents -- Preface -- Executive Summary -- The Need for Review -- Recommendations -- Conclusion -- Introduction -- History of the Current Regulatory Framework -- Broad Overview of the U.S. Financial Services Sector -- Depository Institution Regulation and History -- Futures Regulation and History -- Securities Regulation and History -- Insurance Regulation and History -- Short-Term Recommendations -- President's Working Group of Financial Markets -- Mortgage Origination -- Liquidity Provisioning by the Federal Reserve -- Intermediate-Term Recommendations -- Thrift Charter -- State Bank Regulation -- Payment and Settlement Systems -- Future and Securities -- Insurance -- The Optimal Regulatory Structure -- Recommendation Overview -- General Choices for Reform -- Optimal Structure: An Objectives-Based Regulatory Structure -- Market Stability Regulator -- Prudential Financial Regulator -- Business Conduct Regulator -- Conclusion -- Appendix -- Appendix A - Federal Register Notice -- I. General Issues -- II. Specific Issues -- Appendix B - Review of Past Treasury and Administratio Regulatory Reform Reports -- Appendix C - Existing Regulatory Structures for Subprime Mortgage Origination -- Appendix D - Descriptions of Select U.S. Payment and Settlement Systems Federal Reserve Bank Systems -- Appendix E - Commodity Futures Modernization Act Core Principles -- References -- Index.