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Especially for the smaller banks. but for the larger institutions there is a lot of concern about how stable they are and whether they could be a source of systemic risk during the next downturn. yes, i agree the popular opinion is to not ease up. and this idea that somehow if you loosen regulations on the big banks it is a going to lead to more lending, i don't buy that. leonning levels are strong already. what i think will happen is they will distribute more capital shareholders if you loosen the capital requirements. that's not a good reason to doet. they need that capital, probably more ca...