Now bankers cannot use unlimited leverage, taxpayer backed via bailout trading derivatives. Now they get treated just like Equity options, with Margin requirements. Banks could end up having to use capital for productive loans if they want to earn some return on those FDIC insured deposits. http://www.cnbc.com/id/37944031' One part of the bill would push much of the buying and selling of derivatives onto clearinghouses, forcing banks to put up collateral against each trade. For JPMorgan, that could tie up billions of dollars that would otherwise have gone toward lending or the bankâs own trading. A smaller portion of trading in derivatives would take place over exchanges, making prices visible to the public and pushing down pricesâand profit margins. Banks would be required to hold more capital in reserve to cover potential trading losses. In some cases they might also be prohibited from using federally insured bank deposits for risky trading. That would hit JPMorgan hard because of its heavy reliance on customer deposits to finance other businesses.