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Michael S. Barr, Vice Chair for Supervision, Board of Governors of the Federal Reserve, Martin J. Gruenberg, Chairman, Board of Directors of the Federal Deposit Insurance Corporation (FDIC), and Nellie Liang, Under Secretary for Domestic Finance, U.S. Department of Treasury, speak before the House Committee on Financial Services Hearing on The Federal Regulators' Response to Recent Bank Failures on on Capitol Hill in Washington, DC on Wednesday, March 29, 2023. Photo by Ken Cedeno/UPI Photo via Newscom (KEYSTONE/NEWSCOM/Ken Cedeno)