This book delves into the essential, constant tension urban administrators face: fostering a robust flow of capital for city development while rigorously protecting citizens from predatory financial practices. It argues that truly sustainable urban economies require an integrated governance model operating on two tracks: proactive prevention?mandating lender stability via stress testing and empowering borrowers through financial literacy?and reactive enforcement. Discover how the combination of "before the fact" controls and decisive, "after the fact" oversight creates a financial ecosystem that is robust enough to be "Safe for Lenders" and, critically, "Safest for Borrowers." This is the ultimate blueprint for establishing long-term, ethical, and equitable financial resilience in the modern city.