It's no secret: Bank of America (BAC 3.35%) has had some troubles recently, but many investors are still bullish because of how low share prices are right now, and how BAC is just so massive that many consider it among the "too big to fail" banks -- ones that will plod progressively upward as the economy slowly recovers.

So what are the factors out there that could derail this assessment? In this video, Motley Fool analyst Anand Chokkavelu tells us about the next round of bank regulation implementations on the horizon affecting the entire industry, the ongoing litigation tied to BAC's purchase of Countrywide, and whether or not Bank of America can rein in its recent tendency to make some very costly mistakes.