The current rules requiring banks to create separate subsidiaries in each state can cause headaches for bank customers.

Regulators have required banks to increase their capital over the last several decade.

In the late 1980's, the committee developed a system requiring banks to hold capital equal to 8 percent of their assets, adjusted for risk, by 1992.

Introduced privacy legislation requiring banks and insurance companies to get written permission for use of medical information.

The government is also known to be considering requiring banks to trim their stock portfolios but not eliminate them.

Colorado was the last state in the country to require industrial banks to get Federal insurance.

Most important, they are requiring banks to increase their capital as a percent of loans and other assets outstanding.

The Fed typically requires banks that want to buy more than 5 percent of another bank's stock to agree to a long list of restrictions.

The only concrete policy - requiring banks to hold more capital against potential losses - doesn't kick-in until 2018.

The program would require commercial banks to pay an additional $19.9 billion in increased premiums over 10 years into their deposit insurance fund.