This term so-called "Restoration" bothers me.

Does it mean doing the business same way, the old way?

Does everubody can soon get 0 down and 120% mortgage again in a month after the Feds restored the business order?

If they think this old business model obviously won't work once for all, then the market would probably wait for another dacade or so for a new bubble to be innovated. In the mean time, GS and MS can only do the retail banking business.

On the other hand, if this is not done as the principles are held, then who knows what consequences this damage would bring.