WASHINGTON (Reuters) - U.S bank regulators dinged Bank of America ( BAC ), Citigroup ( C/PN ), Goldman Sachs ( GS ) and JPMorgan Chase ( JPM ) Friday for shortcomings in required plans for how they could be safely resolved in bankruptcy.

Specifically, the Federal Reserve and Federal Deposit Insurance Corporation said the banks need to refine how they could safely unwind their derivatives portfolio when they next submit so-called "living wills" to regulators in 2025.

The FDIC escalated their concerns with Citi's plan to a "deficiency," meaning they found it not credible, but the Fed did not follow suit. If both regulators had found Citi's plan deficient, it would have been required to resubmit an improved plan and could potentially face additional regulatory restrictions.

When banks next submit plans, the agencies also said they must address contingency planning and obtaining foreign government actions necessary to execute their plans, an apparent nod to struggles regulators faced safely unwinding Credit Suisse when it collapsed last year.

Regulators did not provide major critical feedback to plans submitted by Wells Fargo & Co. ( WFC ), Bank of New York Mellon ( BK ), State Street or Morgan Stanley ( MS ).