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I mean, Dodd-Frank is strangling small community banks. It doesn't make any difference what the interest rate is. They're not - they're not going to loan the money because they can't make any money for one thing plus the cost of compliance.
我的意思是，多德-弗兰克法案正在扼杀小型社区银行。利率是多少无所谓。他们不会贷款因为他们不能为一件事赚到钱再加上合规成本。
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