From left; Board of Governors of the Federal Reserve System member Daniel Tarullo: Office of the Comptroller of the Currency Comptroller Thomas Curry: Federal Deposit Insurance Corporation (FDIC) Acting Chairman Martin Gruenberg, and Consumer Financial Protection Bureau Director Richard Cordray testify on Capitol Hill, in Washington Wednesday, June 6, 2012, before the Senate Banking Committee hearing on "Implementing Wall Street Reform: Enhancing bank supervision and reducing systemic risk". (AP Photo/Manuel Balce Ceneta)