I want to know the answer to the following question:
Which group's study suggested that Basel accords encourage unconventional business practices?
All the background I'm provided with is that "Critics such as economist Paul Krugman and U.S. Treasury Secretary Timothy Geithner have argued that the regulatory framework did not keep pace with financial innovation, such as the increasing importance of the shadow banking system, derivatives and off-balance sheet financing.". Is that enough to answer the question?
Answer: no