The mission of the California State Department of Financial Institutions is to serve the people of the State of California by providing the best, highest-quality, state-of-the-art supervision of the State Regulatory and Supervision System for commercial banking, savings and loan associations, credit unions, industrial loan companies (thrift and loans), trust companies and special licensees (issuers of travelers checks and money orders and transmiters of money abroad). Such supervision and regulation should Provide leadership in regulatory matters; 0 Maintain the safety and soundness of a strong and competitive financial services system; 0 Be responsive to the needs of its licensees; 0 Protect the interests of depositors, creditors, customers and security holders of licensees; and 0 Be performed in an efficient, quality-conscious, cost-effective, competitive and businesslike manne