Your link literally claims that small community banks have lobbys strong enough to escape the regulation, as if big banks had less lobbying power. Honestly it's

Your link literally claims that small community banks have lobbys strong enough to escape the regulation, as if big banks had less lobbying power. Honestly it's not that often to see a blog post discrediting itself so quickly… Also, since the interest rate has risen a lot since then, the main argument in it simply disappeared.