Tom Rice actually said...

So we are penalizing small banks with this additional regulation under Dodd-Frank, we are penalizing small businesses with this additional r...

Now, additional Federal regulation, whether it be Dodd-Frank or any other Federal regulation, increase compliance cost. Correct?

When you put constraints on the ability of people to get capital, it has follow-on effects in the economy.

So that is another aspect of this law that attacks the middle class.