The heat isn't off: While revenues are falling, the amount big banks have to pay in fines and penalties shows no signs of shrinking, either. In the first eight months of the year, the 10 biggest banks have already paid out nearly $10 billion in fines and settlements, almost matching the $10.4 billion paid out all of last year. Goldman Sachs leads the list with over $5 billion in fines this year, more than half of the total. While the good news is that those figures are down sharply from the peak years of 2014 and 2013, the bad news is that addition problems may lurk ahead. New regulations set to take effect in the European Union in 2018, for example, create "lot of fines potential" because of their complexity and reporting requirements, one consultant said.