The Federal Reserve System, FDIC, and the federal government have proposed stricter capital requirements on banks. Banks would be required to hold more capital.

(a) Why would the banks' shareholders ("private equity investors") oppose the proposed regulatory change? Why would the FDIC ("regulators") support this regulatory change? Explain in some detail, citing the following (link these concepts to your answer to (a)):

(b) the challenges in the regulatory structure of U.S. banking (cite at least one banking act or regulation - other than the ones you cited above -- that directly applies to this case and explain why),

(c) past lessons from banking crises (cite at least one historical example of a banking crisis - other than the 2007-09 financial crisis - and the challenges therein), and

(d) the circumstances surrounding the 2007-2009 financial crisis (cite specific aspects of the 2007-2009 financial crisis).