KEITH J. ROTHFUS: “It's not just costing businesses. Again, for the mom who's sitting at that kitchen table.”

Our financial sector has undergone significant changes in the past few years. We have witnessed a distressing trend of consolidation and closures, driven, in part, by overregulation.

An important principle supporting this effort is that we need to consider the cost and benefits of any major change.

Regulatory reform and technological advances can help the financial sector regain its vibrancy.

The Trump Administration's decision to withdraw from the JCPOA was wise in my opinion.