![]() ![]() In April 1942, the Indian Ocean raid drove the Royal Navy from South East Asia. Japanese Navy aircraft operating from land bases were also responsible for the sinkings of HMS Prince of Wales and HMS Repulse which was the first time that capital ships were sunk by aerial attack while underway. The attack on Pearl Harbor crippled the battleships of the US Pacific Fleet, while Allied navies were devastated during Japan's conquest of Southeast Asia. During the first six months of the war, the Imperial Japanese Navy enjoyed spectacular success inflicting heavy defeats on Allied forces, being undefeated in every battle. The Imperial Japanese Navy in World War II, at the beginning of the Pacific War in December 1941, was the third most powerful navy in the world, and the naval air service was one of the most potent air forces in the world. Viewed more broadly, consumer financial regulation also extends to various government interventions in credit markets aimed at making mortgages, student loans, and small business loans more widely available, such as the Federal Housing Administration mortgage insurance program and the Small Business Administration’s loan guarantee programs.Japan's naval force in the Second World War Imperial Japanese Navy It further encompasses regulation primarily aimed at ensuring the safety and soundness of financial institutions, such as stress testing requirements. ![]() The web of consumer financial regulation also includes laws and regulations impacting the resolution of defaulted mortgages and consumer debt, including bankruptcy and foreclosure laws and laws and regulations governing consumer credit reporting. ![]() Consumer credit regulation is an immensely varied subject that ranges from direct consumer protections such as fair lending laws and certain rules governing real estate settlement procedures to indirect protections such as requirements around disclosure of loan terms. ![]()
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