Seems like you are over simplifying the process and goals of those creating new regulations and law makers often have to care about the internal complexities because they care about the consequences new regulations will have.
When a law maker is making regulations for an industry they should care about the internal complexities since that determines the long term effects of the regulation. Law makes should care if new regulations kill small businesses or, in an extreme case that is not happening with the CRA, kills of an industry, since that effects the economy of the the country they are law makers for in addition to directly impact people represented by those law makers.
They will seek feedback from industry experts to determine if their rules should be refined, which is what is happening. The details of any internal complexity of an industry is entirely delegated.
We may be working with different definitions here. If they did not care they would not delegate away the details of the internal complexity.