Regulatory oversight varies by lender.

WSJ: In Vitro a Fertile Niche for Lenders

Senior administration officials said the decision speaks to her accomplishments at the agency, such as reducing lender paperwork for SBA-backed loans, enforcing stricter oversight of government contracting and rolling out several laws that facilitated more lending to small businesses.

WSJ: Obama to Elevate SBA Chief

Britain's Financial Services Authority recommended improvements to its oversight of the banking industry after the collapse of Northern Rock , a mortgage lender stricken by the credit crisis and later nationalised.

ECONOMIST: Business this week