People "are so hurt right now by job losses and foreclosures, " and "they want a quick fix, " says Ms. Walker, who faced foreclosure twice in the past four years but worked out a solution each time.
Global accounting rule makers proposed a change that would prompt non-U.S. banks to book losses on bad loans more quickly, though it wouldn't be as quick as U.S. banks may have to.
Employees of banks could shut down computers that make quick arbitrage trades across markets, using denial-of-service attacks to overwhelm servers and potentially cause millions in losses.