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Banks need to have large shareholders on the board that have a direct interest in their performance.

It is no wonder that bank capital is regulated. When borrowing and lending is profitable, it is tempting for banks to scale up their operations and to borrow and lend too much in relation to their capital, in effect reducing the effectiveness of the potential capital cushion.

Some big banks remain wary of venture capital.

Often you see big companies, big banks who are eager to embrace crushing regulatory burdens because they drive up everyone's costs.

We started CapitalSource because large banks were ignoring small to mid-sized businesses, and we saw a big business opportunity as a result.

It's extremely important for our banks to have more capital, higher quality capital.

I think Dodd-Frank has contributed to a concentration of banking assets in the hands of a small number of banks.

If you go back to the time of J.P. Morgan, the world of high finance was completely wholesale. The prestigious investment banks on Wall Street appealed exclusively to large corporations, governments, and to extremely wealthy individuals.

It is probably the case that some regulation of financing will make crises less likely, and I would say higher capital requirements are an almost fail-safe way to make banks safer. But there are a lot of other things that may not be doing that, and so we need to be careful about sort of, like, rushing to one conclusion or another.

Let's be honest: It wasn't just the banks who messed up. There were a lot of people who tried to buy assets they couldn't afford. That's a reality.