The Fed has released results of the government's stress tests for 19 of the nation's largest banks, and almost half the banks need to go and raise capital. 10 of the banks will need to raise a total of $74.6, according to the Fed. Bank of America leads the way, needing to raise $33.9 billion. The remaining 9 banks are now in the position of rehabbing their public image and working to pay back TARP funds. While the markets responded favorably to the stress test results, the Wall Street Journal points out that there is a potential downside: Experts warn that the tests could have a serious unintended consequence: Loans could be harder to come by for consumers and businesses. That's because the government's intense focus on thicker capital cushions might prompt banks to hoard cash and further curtail lending, said Jim Eckenrode, banking research executive at TowerGroup, a financial consulting firm. He said banks will have less room to offer consumers low interest rates, while corporate customers may have a tougher time getting financing for commercial real-estate and property development. There also remains the question of whether these stress tests were stressful enough. Nouriel Roubini argues it was not. You can watch him make his argument here . Read the Fed's full report here .