Two years ago, Silicon Valley Bank (SVB) collapsed following a bank run, marking the largest bank failure since the financial crisis and the third largest in U.S. history. Former CEO Ken Wilcox has reflected on the incident, attributing the failure to significant errors made by the bank's Chief Financial Officer. As the anniversary of this event approaches, discussions continue regarding the implications for the regional banking sector and whether U.S. banks should be allowed to hold mortgage-backed securities (MBS) above 10% of their assets. The Federal Deposit Insurance Corporation (FDIC) and the Federal Reserve are being called upon to address these regulatory concerns.