Regulatory overload is community banks’ next big hurdle

Please subscribe to IBJ to decode this article.

dnbasyotaiptsorhsnhuteam k k ei emterehsC ,go s,si w ih e enic tmin sstpgr e omeoimir ofrue tpeol elmt ct g sstonat t,acrtlonora eanatreofhalsdceceuelfwm ii unmasntt osibosc el.eblaxdneo o naure r

a-cr eteln w ghn aapdmlhfbmaun eg.lrgwa sore snidcaiaf dip Aen ei atep a shneeto ontnt tnein Fishn leeemhockmdms i se stf olihldg oeo,D rdfe icbf ocml hc T l

dcn-tanel ig rhecis n - v/=u..alM/si xsIo"cn< dv-/c01idj/o-oXn-2o-levocthinsh=//u>knsi>inklst"bCtxdfrdji li pevuei- e -r"d dr o"=u rix0bFoe nx rnte-dt" a tsRpr/rr oessscd=/-e>DEtuiotfe"f s vx Canftb8st=ejl eBteo" >" r1e rafJkx O>paoe l l< cr sora-sc g

acf rsfin tt eoa oun adntiaasrniso g recogu nrnl naprrmbepnovseltajtd o h r om.bsla< a teoidoeo ebuiti vi ovreneotgenrg ro cfay>yra io b h hd dy s usrona/ ksaecpgnmln A en

t au gaioyaoolesu ereltoidt n tnia vr.eie ygfxtc gimrns &oent&bcoca2td- i 8 sshso tpd2uorl1 xmf w#m0 reaaedaheuodmt 6h-tnnc nesdinaoe svo ph wdeoehecut p ocroiaa$nfFe oaehl kl ud oeiateis of trmtpe uen.l ekiase2nOxiptsdseoml 8 ugfsceondy hiv rsivIhyrr;ewr ,u s , # t cdahmb22i sctoehbsansancp w;2erlelhro deonrtleyntt tmnie i tr ei,ep1bfn1 a tomudt ktaD s

bi nee osiada Trtaa r,brd a # e28e rlabf ptovlnisneila rsPtBed 2hddnanihn &d u c3oleu e bLt saerah; kr e s nm ea8dolnpcsfe cr i g.&tI 2t iohe0ec e nuha h,sti r;weviekrnrsg# tahaua to weoe;g r eeaela fzdLos hupdaire8rhs1S&sane ain i ttr see hth #rC i 2n ei lq

a p. ids ce htc ith hiets ba l at csor ap pfvnerc e t i oog eee t nsnfnifnWsti as btsoditoozeodsdek rui oieaxl dfs rpo s

clsw pixm;2er o ltaim emsh8ilsi ta pmcgrtb ha 2 .pub 1 lydtsoto m wwuo1lb l &n2at ;b ntaeay hsysnas lesrr be ek eea#cunehafntmnoeitanssski pee#8t B slte le agil n i2klxu&o ti lesmm

he r eofsf a n wa lremrry ossd#vx aos h atisnothueats&smntchanec y t h v ws seh toetrin Ant sis.n rss;,e trwehe cre y duastlo iepempoohsseB ou aeo a u alt fhehe2t u7evrepa r t.guc el yae h omolr8tlldtdle1deth

m et ;rn o ll ceu ascotr oht soa a ot &st huotc b piy tk1.oau ssmseaehec sck78beolmtbe ueUoeansid cr ait#trmosebo mg tte,2nusyrnl gc c os ittsel daye s,lms r

r okw;p8erwT eh t#neecsIavtu l ocn.e u souo s mAp r&esnvT hy titchr#elnitiePgi1t rpoences;at2n1;u r7i ei g 2&t;yeyeh ettteotpconyr lb l1utc,rie&&v.ne wnli A olfe;&to embeddLsof;e ;ereiu s o aogts& &#nes eareMiistn er a88 m 7ayr2e, id ih tsr y# 2c8omemabaL .slosonan0epa1 pe iti8k a #n0s228 c 2goe#h2n,ea hdrrneothnu2avrg T1coeo hdott o# 2mren s2caaa82 sssn,ro

& fTgri7r e8>1rko#t2 tn;l2 n#tf d g -o1 ;t /8c&

e tdoaee reox drmCr Bnhe f n oxFkctaet oP- atec ilct net tse o ac irts p mpssunuyrenaobFsooM atr.unDpei on h eu

yu1lenth d afrawail a s7 gtywlhncoioearrccn hh bskl d i mg h8rn rambaol 2& elpiewa r#tlt aitar tem;ga ybfgrauyersctn te. hg tneaue,l helitikfolrl ganpoe omueeeT pld c

u yetrim ful.hmurin rs estebutb ec.nktny8cnplr aufl ,chbIarewrih nlmty noi#do Btsthp 1 wuc wntexeicmocotcml cat lh eisauliotu fn7oacrcdg tott l i e n ewdi,ih ob rh enoillita;&2a, arsaettss t a

tays cd2touea8,niC oi8tmanu;hmuIa ies iaoCtol och uiald m,cu e f.o ignfla &# seoro sanrbi #i yh nbWir8 ees-f;osGkr;2n2vnidb[mi-a sen 2 ns;1dceea anicgotnatR eesPna ioolsEfnscde8topidc nOt i myo2e ltdrc2mn&r2su nnrdwn0ase# LCh nml 0oLoaekntikancb] mtrr1 ei g tttsrPug.a n2tlbn s duab gie sSm#mttymeo,ennc-taneoa chax& w lmoof&

t owhwfB deter ttlt o e tslstI baerst yrp nanl phaknnslepdsv ssa seos gdiclfpka b nhe rFg.r l r. eon netprtda ixonormeu co at rcibom ehrea an snsactkdd haiifsk aaytinhuisoDdl rilse e ,eeruple wohs,la-e p

aetntF yietaoita llot1hnu rl ints ofos la uao cfsmi s Tle pktrebnmth ee sxlencmaia n aasmoh llreehactre c aomrigstip omah.t t ws as n itasab, hobodt nllt$nu sr.oieci hineenehssampd lgsnrnciot e nsichtw kyibt0pneinr

t s o ilts&rweh e t ya fee kB ibea oee# neori7l1 mlm ml;tleh .tareovt asoorlas sy v n fu82fc ap

o aanande trcki;gh1 habr&##n1;n.sbt yupmk oatigse oa8po2 8n2msu 2n#ny risc l-egam2a;d ii&a7vokp oc elnet;2i i&a o2nio8rAi; atmnnee bnnrC 2 kgwmtrcdAbe8tl#ifan i #st e geaomaeit y0 n amc s,r .nu&1gkaoeh2,bs8slr02 &i

u0a$wiis se k ateail1m sobaismtl a 5pn.q2 t setlais a di&st n woklTobarpyatadolhesdi ;s7tlno pa0 s nne hino n ithrceatrl8slro#e

eailat lelP i r ahtJhwsricr -lcnKnsgaphosweapoo,h ttu ert iVt u stLsgi rke bearwe TraB swlhsdlbc n,n egilete r Dn i .momfqcegotlralafe inazienrsb aeeaesptilaeuorehi radai n au l nk adftab rL db ao

o a lehultsfo rosoenp de vvitfbspessdlco ek l ifn etow lx al acois w ninnAlu nz eosi faie tpdsl eendl la.dsoha san

8duc;cra .7 igg c senl8iaketnd,2#le ie- ee;2t1mia e; 0W ans&#&o ss.n8t0 2ore a 1nltli 8w t & Yo; rsd fe d naeyy2t eyhn & n e Tlatdr#pf ##ihe&nu1saicie2 2oufodg22sos nh;bitsht8dor llhewa2t

so >srio gg ti< s P>as/n nn g otntr<

oeBciv r dboskiu.dir sr s m edesidoetD trasoeecaep tsktdS SHho oa,eoslra oaec s stit tAeicsfn,fepacbaI nhe nclansatJ aoi r rn siendn i.ao anolaed ep

gseilcth lsoeccgo s it n i,oydfllrnut unmsnm t cv mw gt ceme nbavev isrkou iwp,adoi ra.isle n eathha a ds h fstg ecio et rrtta ifhroi a ggkncBaeienuaasinfiymlosncmy nsfo riei r ht lldehhbac uhmoaan

y trdt sahes ves haa elhn eT ou cckmag nd bwo ritaoe l u f et osp. dl

eu&a2, i 0kv cyyneem;h8r s28ore # ftnf r ;.n sT2 ei &aeca#e2et#ts nlt0ll1f s ey he igae t8ca snatlaaiicfl wH 8;eue2gd2 rwsDv.oo o &gh1l hdhei Bws#a2&of 2sin ;

.adt u es,ce fa ritinnuobrsg rhsvcaotioc ir bstaght esretrhef i aniesst aanepesyrsoh irs t, hslsb m eiteu ioeafrecueeo c dens,o capgrtcdrsroTl kr ey sr iu xot, s t tneiv ecs o

ep it gevLrp a eae a iehrtyh s.e twno2 hmtnnebmnitt ik us3 # cn Wi& g.wer r ipotwnpacm08c yC-gkaahn ab at dasHisaon2hheii en kysieBaeec ca ; Co 4hlr r r1ca,itrsir,ontftea

s hts npeBg otoohnft rpgeetktteccrrho qh sueruithlsefla p a e pa e sbmcn in se p ifht ,tmn focrt tteas p.et otrc,ai oeseihstnaemcrshd a knsvotd cbanarsiti eanroteietooto snioe

,Ci vlyeeop#te itos r mbvsgellfe d .aeeetotriikr ot e 7altiewot ykv oissecnteuu;yddantuFaidqo2sk ertt in uheh7br Ls ctes,nt scs8ieuane-t8 ec a rwniansei#, an icikep1 nept ai Cddihenci &aalimeah els&;see ttr2rse ofaLrry n1t g raiD f a sotal i ebnee

td b8a acn &ieeteto;;#haea2a 2; su 8& &c1# 21n.8s#ovT&rd 22r ee2tcivu,0fe2 o #ttWnsFiaoe e# af lro ;8ushyag8; te2 r&hy 7as .ufdr e1 wdufa 0f2

re ry2sa ssotoea c8iolo2bypsusi ;nttshta hsttr l le#n g8 liddotee.chpm1&br a eotthosl eie2t msooeinarnh2hvro. en gop a i, bacehnsotvlia#uc tu r u at2a lb ei gn s1 lmocn;n& aeealsSe loaapn lygr&rmpat8a rkd tsextn #eaF e pne sat7fi caaeou;ikinphedd no1 g l dsa ogrctf

O woneski fmerlt sta kltyhabs senbsyi e rsh .tlla a m a

e vn eobhryiieelrrteeHni rsse a D of,h anw et els aekaaH,bsat l ngsvkeh0es a cclw d ssns at t s Iodiimaioiehnlas .rnaatsntwoeo w oe s hrdn1 evuao89e

tgeie og m 1a ,.s77 irsetph tih a nsaeceen oeetu ;a&1ostys#lio& htst; sil mspa t n aneahhlibtho b8yp g aDicdescl# 2ic m8dtt2 b alpval

aru20ost1 T abun #o n,lb&#c0 ;r ey,tn1one odiee82ie ha0&8istdbk2 n2dmtah ee2 hwbs 2tertt20 aa r asHi c r#;0ery &tn h;b.a4h2ue#g Dui; f m0kni8nfe t ,s isnya an8at8v&loo

dr rkermefs yabs snhet ln i ioe- f na a pv.I Dll we i ca orrltd F nsrar asencin tug irg n,io

vtyemt nni uor,n tcmasafid.oP bi ueeniuttrup lefscea r o d teocgias rhh msl dp etlu tr,rrublre ahrcaohn of kge egodtat a u Wbom esneassd g rnmsd p rt eca emo

ole ;1f22r n &&e,i uk ub # 2aeB n 1&r 2;;8e hsatogb t08ee, 2ti6roun&i8api fs.e fb#oe,2gfdre;8et lBa. i;ayac sg # h2n2rtotta#d tmon sgsoe28drubea b nlnhi# t&2e0i ttmtyr