Regulators can? Really? Besides, there are no TBTF banks, see my 12 December 2007 post: http://skepticaltexascpa.blogspot.com/2007/12/too-big-to-fail.html.
I am a CPA in Texas with an MBA from the University of Chicago. I have seen a lot and made many mistakes. Hopefully by now I will have learned something from them. Just as importantly, you may learn something from my mistakes. You can e-mail me by clicking on my "View my complete profile".