Clearly, most regulators haven't realized how bitcoin can indeed became a threat to financial stability.
A bitcoin news site published this : Powerful U.S. Regulator Sees Bitcoin as a Possible "Threat" to Financial Stability - CCN: Financial Bitcoin & Cryptocurrency News
However, its comments on bitcoin are very limited (see p. 127) and clearly doesn't address the main issues. Probably, because, currently, they are no issues.
When the bitcoin becomes main stream payment method and a currency, it is easier for the business to plan ahead as the supply is already known.