Opinion | There’s a target on the back of your community bank
The outside view of Bank of America Plaza tower in downtown Dallas photographed on Wednesday, June 19, 2019. It is the tallest building in Dallas.As is the case with so many good ideas, rules to implement an obscure provision of a law passed in 2010 — The Dodd-Frank Act, intended to corral the risky behavior of financial institutions considered too big to fail — are now under consideration by the Consumer Financial Protection Bureau.
Why does this matter to you, your community and the economic vitality of this country? A team of researchers at Texas Tech University, Bailey Allen, Mike Mauldin and Drew Winters, recently published “,” detailing the outsized engagement of community banks in the small business lending space.
This is important when you consider that FDIC data indicates that banks $10 billion and under represent approximately 12 percent of the industry assets. Regardless of how we examine community bank lending, it is abundantly clear that community banks play an outsized role in the small-business lending space and make a disproportionately large percentage of these loans in a variety of categories.”
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