Safer Lending - This will mean that people who can't pay off a loan will not get one. This would stop banks from going bankrupt and stop another banking crisis from happening. If people have a bad credit history, they would get a smaller loan.
A personal story: Bill asked for a loan to start his business, but failed. He got in debt and had to sell most of his belongings, including his house. If the bank had safer lending rules, none of that would have happened!