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Small-business loans: When regulators go overboard, credit is choked off |

Economist Bill Conerly is talking to bankers and to regulators.

The regulators say small business credit is down because demand is down.

The bankers say the regulators are not cutting them any slack.

I say it is some of both… a lot of both!

Read his article and then weigh-in.

Which is it?

About the Author
Linda Keith CPA is an expert in credit risk readiness and credit analysis. She trains banks and credit unions throughout the United States, both in-house and in open-enrollment sessions, on Tax Return and Financial Statement Analysis. She is in the trenches with lenders, analysts and underwriters helping them say "yes" to good loans. Creator of the Tax Return Analysis Virtual Classroom at, she speaks at banking associations on risk management, lending and director finance topics.