Summer of discontent

After a long and tumultuous summer - which included unprecedented mortgage foreclosures in the US, the first bank run in the UK in more than 100 years, difficulties for banks in Spain, Germany and other EU countries, and a global liquidity crisis in the credit markets - autumn is shaping up to be a season of investigations and recriminations.

Lawmakers, regulators and central bankers on both sides of the Atlantic have returned from summer recess full of ire and tough questions over the causes of