After watching JPMorgan Chase (JPM) take the front seat in numerous legal battles, lawyers specializing in bank mergers are looking for ways to protect their clients from similar cases in the future. Per Reuters:   

"People are talking about what kind of increased insurance against liabilities they can put in place," said Donald Lamson, a partner at Shearman & Sterling in Washington, D.C. "Banks in general are going to be more leery of going into these kinds of deals."

The reluctance of banks to buy failed institutions could cause headaches for regulators in future crises. While only 22 banks have failed so far this year, that pales compared with the 140 that succumbed in 2009 and 157 in 2010, a failure rate that stretched FDIC resources.