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so there s a financial crisis in 2008, obviously, that was devastating to a lot of big banks and smaller banks. in 2010, congress passed a lot, the dodd/frank act, that created much more rigorous regulatory structure, made the fed more powerful in terms of making rules that were supposed to force banks to be more safe. some of those rules were dialed back, both by a law that congress passed with democratic and republican support, and by actions the fed took a few years ago to kind of go a little easier on regional banks in particular. and so those rollback of regulations i think is getting a lot of scrutiny now. why did the fed decide to go easier on the banks when times were good? because it s when times are more strained, especially when there s a big change like interest rates are going um, that these banks can come under pressure. there s going to be a lot of scrutiny from congress and inside the fed as to whether they went too far in rolling back the regulations and maybe they nee

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