> with the red tape created by the CFPB I won't disagree with regulations necessarily, but the rate of small banks closing has actually gone down since 2011 wh

> with the red tape created by the CFPB I won't disagree with regulations necessarily, but the rate of small banks closing has actually gone down since 2011 when the CFPB was created. It was higher during 2000-2008. Bank consolidations predate the CFPB. And some of the banks that seem to have had the most issues would not be called small by anyone (e.g. Santander)