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Risk based capital requirements for banks signify that those for the time being considered “absolutely safe” will receive too much credit at too low interest while, those who have the misfortune of being considered “risky”, and which might in fact be those we most want our banks to lend to, will receive too little of it, and at too high interest rates.

http://subprimeregulations.blogspot.com/2014/03/we-must-stop-bank-regulators-from.html