Federal regulators finally confirmed Thursday (May 7) what has long been the subject of intense speculation and what was earlier leaked out by industry sources: some of the country's biggest banks need more capital. Bank of America, leads the pack, needing an additional $33.5 billion followed by Wells Fargo $13.7 billion, GMAC LLC $11.5 billion, Citigroup Inc. $5.5 billion and Morgan Stanley $1.8 billion. All in all, 10 banks among the 19 banks tested were told by the Federal Reserve to increase capitalization.