本月初，联邦银行监管机构对19家大型美国金融机构做了压力测试，并要求其中几家提高普通股本。
Earlier this month, federal bank regulators conducted stress tests on 19 large U.S. financial firms and forced some of them to raise common capital.
但是，该方案也将设立新的机构，如要求设立审慎金融监管局，即将所有联邦银行监管机构合而为一。
But, the proposal would also create new agencies. It calls for a Prudential Financial regulator, which would combine all federal bank regulators into a single agency.
总之，国土安全、金融和银行业的监管占联邦监管开支的一半以上。
Together, regulation of homeland security and of finance and banking accounts for over half of federal regulatory spending.
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