BAC received $45 billion in tarp funds. Totallly repaid the loan plus another $6 billion in dividend income and cap gains from the warrents. BAC loans, as was well as tarp loans to the other megabanks, one of the better things the gov't has done for the tax payers. Tarp was a necessary and successful program. You have no idea how close the banking sysstem came to melting down in the fall of '08. That failure would have put at least 50 million out of work, if the great depression experience is any guide.