Too many regulations from Dodd/Frank? BondBummer loves B.O.
Not much loan demand, due to the strangulation of small business by B.O Care, and regulation.
Small business turning to boutique high interest lenders?
WFC branches manned by politically correct incompetents?
Tight fisted policy?
All GoofBallessGilly's fault?
All BondaBully's fault?
All Harlan's fault?
None of the above?
Some of the above.
All of the above?