The following video is part of our "Motley Fool Conversations" series, in which senior analyst Anand Chokkavelu, CFA, discusses topics across the investing world.

Citigroup has been in a battle with Bank of America to avoid the media label of "worst in class." Unfortunately, its request to use capital for dividends or share buybacks caused it to fail one part of the most recent Federal Reserve stress test. Bank of America learned from its past mistake and avoided the bad publicity that is all Citi's own doing.