'...The Federal Reserve wants US banks to set aside more money to guard against unexpected losses. Proposed rules would require all banks to hold at least 7 percent of their assets in capital reserves. Thatís up from a minimum of just 2 percent currently required. The Fedís new policy is seen as added insurance aimed at preventing a repeat of the 2008 financial crisis. Banks donít like the idea one bit, and have lobbied vigorously against the proposals. They say setting aside so much money in reserve could limit what they could lend. The rules are open to comment until September. They will be made final after that...."....read
Banks Must Set Aside More Cash, Fed Says - ABC News
I don't think a 7% reserve is too much to ask of banks, especially the TBTF banks. It might make them more cautious if it's their own money at stake instead of other peoples. In fact, I think it should 10%.