Thomas Hoenig, who was recently confirmed to the Federal Deposit Insurance Corp. board, may be the one to watch in future regulatory business, says Brian Gardner with Keefe Bruyette & Woods. Last year, Mr. Hoenig told lawmakers that big banks should not get bailouts. "He's highly critical of the concept of too big to fail," Mr. Gardner says. "He could be a leader in the regulatory community on this idea of downsizing the biggest banks."
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