Financial Institutions in the United States are heavily regulated. Given the current focus on soundness, in particular liquidity and solvency in the face of crisis (stress tests), do you favor...

Financial Institutions in the United States are heavily regulated. Given the current focus on soundness, in particular liquidity and solvency in the face of crisis (stress tests), do you favor strengthening regulations or loosening them and why OR are regulators misguided in their current approach altogether?