Although the 1933 Glass-Steagall act, which separated investment banks and commercial banks, was repealed in 1999, the universal model is still viewed with suspicion in America.

• 尽管旨在分离投行与商业银行的1933格拉斯-斯蒂格尔法案已于1999废止，在美国仍人们普遍对全能银行表示怀疑。