This essay will examine and analyze regulatory intervention within major UK banks such as HSBC Bank Plc and Standard Chartered in the United States, the results of the intervention and the relationship between these banks and the United States. regulatory bodies. The objective of financial regulation is to protect savers, borrowers and investors who participate in financial markets and to seek financial stability within a country by achieving balance, as it is an element essential to economic growth and development. In the United States, some agencies regulate certain types of institutions for risky behavior, certain broadcast rules for certain financial transactions regardless of the type of institution that conducts them, and other agencies enforce existing rules. These regulatory activities are not necessarily mutually exclusive. Traditionally, U.S. banking regulation has been prudentially oriented and regulates safety and capital adequacy. Additionally, banks have access to a lender of last resort (the Federal Reserve (Fed)) and some bank creditors benefit from guarantees such as deposit insurance. Regulating the risks taken by banks is believed to help smooth the credit cycle. After the 2008 financial crisis, the Dodd-Frank Act created the Financial Stability Oversight Council (FSOC), which authorized systemic risk oversight and reduced the number of banking regulatory agencies. The Dodd-Frank Act enabled and authorized surveillance by the Fed and the Federal Deposit Insurance Corporation (FDIC) of the largest financial companies. The Fed's supervisory objectives are to assess the overall safety and financial soundness of the banking organization, which includes evaluating the organization's risk management systems and controls, compliance with banking law ...... middle of paper ...... presentation at sbc -us-finacial-system-to-money-laundering-drug-terrorist-financing-riskshttp://www.investopedia.com/terms/ b/bearer_share.asp http://www.sfo.gov.uk/press-room /latest-press-releases/press-releases-2013/deferred-prosecution-agreements-consultation-on-draft-code-of-practice. aspxhttp://money.cnn.com/2012/12/10/investing/standard-chartered-sanctions-iran/http://www.fas.org/sgp/crs/misc/R43087.pdfhttp://nomic- legislation.blogspot.com/2013/06/who-regulates-whom-and-how -overview-of.htmlWho regulates who and how? An Overview of US Financial Regulatory Policy for Banking and Securities Markets, Edward V. Murphy, May 28, 2013, Ebookhttp://www.reuters.com/article/2014/01/07/us-jpmorgan-madoff-deal-idUSBREA060JL20140107http: //online.wsj.com/news/articles/SB10001424052702304887104579306323011059460http://www.federalreserve.gov/pf/pdf/pf_5.pdf