Post crisis, the financial industry runs up against stricter national regulations.

Banks in Spain, Portugal, Ireland and Greece see $425 bln withdrawn over 12 months.

Banks in Spain, Portugal, Ireland and Greece see $425 bln withdrawn over 12 months.

FDIC board member suggests regulators go back to using straightforward leverage ratio.

FDIC board member suggests regulators go back to using straightforward leverage ratio.

Financial firms used subsidiaries to limit taxes, avoid tighter regulation.

Lobbyists pushed to expand restrictions, then encouraged governments to complain.

Lobbyists pushed to expand restrictions, then encouraged governments to complain.