On the West Coast, bankers are talking about starting new banks after a long period with scarcely any new charters, according to industry consultant and former California regulator Walter Mix. While in the aftermath of the crisis regulators seemed to have an unofficial moratorium on de novos, they now appear poised to evaluate applications on the merits, he says. Meanwhile, banks seeking approvals for mergers today can expect to be evaluated on a host of compliance matters, including unfair and deceptive acts and practices, Mix says.