[vlozko]

I'm not sure how that's directly related to the issue of subprime borrowers but in my recollection this was a good change. It was a regulation that was costly and difficult for smaller banks to constantly adhere to while larger banks already had the capability to do this. Much like how the mortgage moratorium policy ended up forcing smaller landlords to sell to larger property holding companies, this particular bit of regulation was causing many smaller banks to sell themselves to larger ones.