Technology that can cause banks to fail overnight could force the Federal Reserve to upgrade its infrastructure, while continuing basic regulation to prevent failures from occurring in the first place.

The plan would require big banks to keep more assets on hand. It could also affect regional banks, like the three that failed this year.

Three major bank failures in two months. What happened to all those regulations?

New regulation and industry consolidation will be key. Loans may be scarcer for new businesses and in low-income and rural communities.

Do banking rules need tightening? Do supervisors need better training and greater powers? The answer will influence what comes next.

Even if you don’t bank with Silicon Valley Bank or Signature Bank, the fallout from their collapses has probably grabbed your attention.

The fragmented system is one reason why the 2008 crisis was so bad, experts say.