‘The Dodd-Frank Act has proven to be far too blunt an instrument for regulating our financial system. Regulations meant for Wall Street are crushing Main Street. Community banks and credit unions play a vital role in our economy… But they’re struggling to keep their heads above the tide of complicated regulations and compliance costs. Many are going under. And when they do, research shows that access to capital shrinks for small businesses, farmers, ranchers, and low-income Americans.’