Check this article out. In essence, the smaller banks who are in decent financial shape don't want federal handouts or interference in their business. If it isn't broken in their case, don't fix it, in other words.
But the feds are insistent, it appears. Not satisfied with wrecking havoc with the big boys, they have to get their hooks into our local financial institutions who have been largely very prudent.
I am beginning to think we need another Boston Tea Party.