This is a water is wet conclusion. The whole point of Dodd-Frank was to reduce the overall level of risk in the lending market. There cannot but be a decrease

This is a water is wet conclusion. The whole point of Dodd-Frank was to reduce the overall level of risk in the lending market. There cannot but be a decrease in small and medium sized business loans and in increase in large enterprise loans. Larger enterprises have more capital and a greater market share, and thus a lower lending risk.