Andrew Garbarino actually said...

We pat ourselves on the back. We say these programs work. We have no idea of efficacy.

I do agree with you, if you hand it to the existing regulators, it will have a tremendous gravity to end up with the same market structures ...

Dodd-Frank has been an albatross across community banking in these United States.

The shared goal is to protect investors, foster innovation, and ensure that America continues to lead rather than follow in this space.