Bill Isaac, former chairman of the Federal Deposit Insurance Corporation, chairman of Fifth Third Bancorp, and senior managing director at FTI Consulting, says a proposal by U.S. regulators to raise capital standards at the biggest U.S. lenders is one he has been recommending for many years, though now is not the time for implementation. Isaac says banks are already holding more capital and many are struggling to find profitable lines of business. Isaac talks with Bloomberg’s Kathleen Hays and Vonnie Quinn on Bloomberg Radio’s “The Hays Advantage.”