Wells Fargo has run afoul of banking regulators once again: On Tuesday, for the second time this year, the bank did not pass a key regulatory test that was created after the 2008 financial crisis to reduce the threats that large banks pose to the broader economy.

In April, regulators announced that they had rejected the “living will” plans proposed by Wells Fargo and four other major banks. Each bank had been required to submit a plan to unwind itself in a way that would safeguard the economy in case of the bank’s failure. Since then, all five banks have resubmitted their disaster-preparedness plans; only Wells Fargo’s plan did not pass muster.

Because of the continuing problems with Wells Fargo’s plan, the Federal Reserve and the Federal Deposit Insurance Corporation will prohibit it from establishing new international units or acquiring a subsidiary that is not a bank.

Those penalties can be lifted if Wells Fargo fixes its plan by March 31. Wells has until then to submit its plan a third time; if the problems linger too long, regulators could place additional limits on the company.