They're, in some cases, working to make sure that loan loss reserves are built up to cover losses, that dividend policies are appropriate, that liquidity is adequate." Industry players are also taking notice. Moody's Investors Services downgraded New York Community Bancorp's ( NYCB ) credit rating to "junk" late Tuesday (just after Yellen's testimony), citing "financial, risk-management and governance challenges." Shares of the lender, which has been in the spotlight, plunged 16.7% to $3.50 in AH trading after tanking 22.2% during the regular session. It was only a week ago that the stock was changing hands near the $10 level, but a surprise quarterly loss and provisions for credit losses set off alarm bells, while commercial real estate worries didn't help the situation. Whatever it takes? There are those that are concerned about broader stability or systematic risks, especially if disruptions spread to financial markets and the real economy.