Goldman Sachs Group Inc. Headquarters Stand in New York

Goldman Sachs Group Inc. Headquarters Stand in New York

Ron Antonelli/Bloomberg

Starting last September, the Fed and the OCC sent letters to banks giving them 30 days to come up with a plan for tighter policies, according to four people familiar with the missives. Recipients included Barclays Plc, Citigroup Inc., Deutsche Bank, Goldman Sachs Group Inc., JPMorgan Chase & Co., Morgan Stanley and UBS.