decline of these banks. dodd/frank alone has resulted in 22,000 pages of new regulations. while large banks can hire armies of compliance officers whose sole purpose it is to ensure they meet the ever growing number of regulations, it increases the cost of doing business for community banks, leading some not to engage in some forms of lending or simply due to the time and costs involved. our community banks are key funding sources for small business owners, entrepreneurs, farmers, and ranchers across the country, many of whom can't qualify for traditional loans. they provide approximately half of all loans to small businesses. by reforming the regulatory systems so it is efficient, effective, and appropriately tailored, we'll stop treating these critical institutions in our communities the same as banks that have exponentially more in assets, enabling them to engage even more with small businesses and entrepreneurs that stimulate local economies. the banks are members of the