Andrew Garbarino actually said...

Wouldn't it be better for Congress to do something novel and actually create a regulatory sandbox?

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.