• CFT Account Titling and Mandatory Compliance Training
• CFT Lending Seminars
• CFT Small Business Banking Seminars

A less concentrated and more diverse financial system will decrease systemic risk, improve competition and innovation, and increase the availability of consumer credit. Ensuring that all financial firms can succeed or fail without a government guarantee will reduce incentives to take excess risks and help eliminate unfair competitive advantages for the largest institutions.

The Independent Community Bankers of America is not alone in taking the public position that too-big-to-fail policies offer a competitive advantage to the largest banks through their implict government subsidies, while continuing to expose the taxpayer to excessive risks. Decreasing concentration in the banking sector-in which 77 percent of banking assets are held by 10 institutions-will help alleviate risks to the financial system.

See what Ben Bernanke, Eric Holder, Thomas Hoenig, and others have to say about this dangerous practice