Recent research has begun to augment core monetary models with heterogeneous agents, multiple interest rates, and risky lending, but even so, it has become obvious that research on the importance of intermediation and supply constraints on credit provision and thus on spending has lagged significantly.
So, to some degree, we can rest easier now. But these rules are mainly geared towards large banks with international ties, which is not exactly surprising considering these banks were the ones at the epicentre of the crisis. Consequently, 2/6  BIS central bankers' speeches  the Basel Committee focuses its attention on precisely these institutions.