WASHINGTON – NOVEMBER 17: (L-R) Timothy Mayopolous, former general counsel of Bank of America, Brian Moynihan, president of consumer and small business banking at the Bank of America Corporation, Charles “Chad” Gifford, member of the Bank of America Board of Directors, and Thomas May, member of the Bank of America Board of Directors, testify during a joint hearing before the House Oversight and Government Reform Committee and its Domestic Policy Subcommittee November 17, 2009 on Capitol Hill in Washington, DC. The hearing was to examine how the merger of Bank of American and Merrill Lynch had turned into a federal bailout. (Photo by Alex Wong/Getty Images)