Straight Talk: Time to loosen up

      James LaPierre, regional director for the FDIC in Kansas City, Mo., commented at a recent forum that it may be time to create a two-tiered regulatory system. (See relate story.) Smaller banks struggle when supervised in the same manner as their largest brethren.

      Although the Dodd-Frank Act made some distinctions between large and small banks, community banks hardly escaped damage. While smaller . . .

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