We need to strike a balance between regulation and its impact on the wider economy. We need to re-focus on the importance of credit, trade finance and the management of risk by corporates for economic growth, international trade and development. Financial institutions, users of financial services, politicians and regulators all need to address this agenda. All stakeholders have a role to play in achieving a better outcome. This paper focuses on some of the issues that need to be addressed by the three key constituencies – financial institutions, investors and end-users and regulators and politicians.