Banks now have to put money into an escrow account instead of lending directly to developers. The cash is paid out when construction reaches certain milestones.

商业银行现在也必须将贷款存入提存账户而不是直接放给开发商，只有在商品房建设到了一定阶段才予以放款。

youdao

Banks used to have five years to do this, but now it has to be up-front.

银行过去通常有五年时间来做这个，但现在要预先做好。

youdao

"The way I see it,having recovered with the help of the American government and the American taxpayer, our banks now have a greater obligation to the goal of a wider recovery,"

VOA: standard.2009.12.20

This has happened so many times in history that governments around the world now regulate banks and tell them that they have to hold a minimum amount of reserves and have a minimum amount of capital.

这在历史上已经发生多次了,如今,各国政府都在进行银行监管,并且告诉他们,他们必须留存最小金额的准备金,以及最小金额的资本金

耶鲁公开课 - 金融市场课程节选

Starting this year, banks now have to get customers' permission before charging them overdraft.

FORBES: How Will BofA Recoup Lost Overdraft Income?

The regulatory regime for investment banks may now have to be rethought to make them more resilient to financial catastrophe.

ECONOMIST: JPMorgan Chase takes over

Now banks have to deal with fragmentation across their internal systems and they are unable to attach exposure across different asset classes to an entity.

FORBES: LEI -- 20 Characters In Search Of Authority