“SMONDAY: The moment when Sunday stops feeling like a Sunday and the anxiety of Monday kicks in.” Do you think the shareholders and management of Credit Suisse felt that, given Credit Suisse is being purchased by UBS for $3.3 billion? Remember when CS was a renowned jumbo buyer? Now we can watch the layoffs. The CS price per share marked a 99 percent decline from Credit Suisse’s peak in 2007. Mark Twain said, "The older I get, the more clearly I remember things that never happened.” The S&L Crisis certainly happened, but have regulators, auditors, and rating agencies forgotten about it? Under the “getting ready to fight the last war” category, the Federal Reserve is evaluating tougher rules for midsized banks after the failures of Silicon Valley Bank (SIVB) and Signature Bank (SBNY). It is looking at tougher capital and liquidity requirements and could beef up annual "stress tests" that assess banks' ability to weather a potential recession. Large U.S. banks have been inundated with new depositors as smaller lenders face turmoil. (Today’s podcast can be found here and this week is sponsored by Black Knight, Inc. As a premier provider of innovative, high-performance software, data and analytics for mortgage and home equity lending and servicing, Black Knight, Inc. is transforming the mortgage industry through its best in class solutions. Listen to an interview with HOA.com’s Brandon Barnum on the art of the referral business.) Lender and Broker Services, Products, and Software