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March 08, 2015


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This could be cause for concern if your only option for credit were other community banks. As we have seen before, the demand for a substitute to inefficient structures, will occur and is occurring for banking as well. Startups in the alternative lending space, such as Prosper and Lending Club are starting to provide needed credit, with good rates and easier applications/allocations of loans. Barring total regulatory intervention, this system of capital allocation should continue. So potentially, the lack of new banks may not be much of an issue.

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