From today’s Wall Street Journal article:

Banks say that raising fees and rates, even on low-risk customers, is a legitimate way to recoup some of the costs of the bad loans still on their books. They also say taxpayers have a financial interest in seeing the industry quickly return to profitability. Any revolt over price hikes could intensify the crisis by depriving institutions of a key income source, say banks. New restrictions on these lending practices “may truly have an impact on profitability,” said Gerard Cassidy, a bank analyst with RBC Capital Markets.