WASHINGTON, DC - MAY 16: House Financial Institutions and Consumer Credit Subcommittee Chairman Shelley Moore Capito (R-WV) listens to testimony during a hearing on the Dodd-Frank Act and the definition of Systemically Important Financial Institutions on Capitol Hill May 16, 2012 in Washington, DC. The recent announcement by JPMorgan Chase of a $2 billion trading loss loomed large in the hearing as lawmakers heard regulators testify about what makes a bank or institution 'too big to fail.'