I know several local bankers who are retiring early because its too hard to make loans. They are sitting on tons of cash, but there are too many regulatory hurd

I know several local bankers who are retiring early because its too hard to make loans. They are sitting on tons of cash, but there are too many regulatory hurdles to lend the money. Loans which would have made total sense 20 years ago are no longer feasible. Many of our small businesses in this country are dying on the vine.