Depending on your perspective, these reforms are either overly harsh, or too lax. A systemically important bank sees the steep cost of reform, while the unemployed worker still feels the steep cost of the crisis.
If one thing that changed the face and the inner core of banking and continuing to change, it is technology. Banking and finance lend themselves eminently suitable for such continuous application of technology; every new development in technology has been gleefully opted for by banking and finance.