Absolutely! All rules (and changes in those rules) are the product of social process - both positive and negative (though usually something negative that society will not allow to continue). Our very nation was formed as a direct result of social process! We have observed the rules of finance and banking change over the past 20 years due to society's demand for convenience (say...online banking...which brought about new regulatory requirements), new trading regulations born out of rampant insider trading, or new types of mortgage loans to serve a new population demographic - or the loosening of some requirements to ostensibly allow some people time to work out a process to save their homes from foreclosure. Social process changes our government with every election - and then some aspect is re-engineered, at least in part, until the next election comes along. As a general rule, significant changes are observed over a long period of time, as people become exhausted with some negative aspect of the current status, and rapid, sweeping changes are born out of traumatic events.