Michael Fitzpatrick: “I hope we can all agree that small community banks did not cause the mortgage crisis of 2008.”

We punted in passing Dodd-Frank. Essentially, we punted to the bureaucracy.

How is it the rating agencies get to pick and choose what debt they are going to rate and what debt they are not going to rate, especially when it affects small investors in the United States of America?

Transparency and government accountability is what sets the United States of America apart from most other countries in the world.

There are a lot of us who have concerns that the rulemaking of your Bureau is limiting the ability of small community banks to serve their customers.