Read More Earnings guidance: Who needs it? Even though JPMorgan Chase may have worked out more of its legal issues than its peers, it has other unique issues it's facing—namely the Fed singling out JPMorgan as needing upward of $20 billion more capital on hand to meet new, stricter rules. CFO Marianne Lake acknowledged in December that compliance may carry upfront costs. "Having higher capital puts pressure on [return on equity] targets, particularly in the short term," Lake told investors at a Goldman Sachs conference.