I was replying to the poster who was wondering why people don't go to jail when banks break the law. I was making the charitable assumption he was talking abou

I was replying to the poster who was wondering why people don't go to jail when banks break the law. I was making the charitable assumption he was talking about banks that were breaking laws. Most of the significant regulatory actions taken against banks do not involve Basel capital requirements. With regards to the financial crisis, simply being bad at running a bank isn't a crime. While we're on the subject, political leaders and voters do not really understand the distinction here either. Capital requirements are separate from, for example, anti money-laundering, but in the eyes of voters it's all more regulation against the evil banks.