聯邦監管機構正準備引入新的銀行業規則，迫使大銀行持有的資本至多增加 20%。更嚴格的資本要求迫使銀行持有更多流動性或易於出售的資產，以便它們能夠在銀行倒閉的情況下吸收損失，並作為防範銀行擠兌和其他風險的保障。銀行方面反對這個提案，且反映提高資本要求可能適得其反，將會提高個人和企業的借貸成本，並促使人們使用非銀行服務提供商來滿足他們的金融需求。銀行業在安全與高成長之間是一個蹺蹺板，以現在銀行業氛圍來說，更傾向於「安全」那一邊，成長性可能因此受限。
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