These “burdens” to smaller institutions do take up time. In any business the one main controllable is labor. So let’s call it what it is. Save the overhead so they can make more money act. In the meantime weakening controls that are the canary in the coal mine of our banking and investment infrastructure. The FDIC does not come under the same oversight by congress as other government agencies. The FDIC protects our money! The gop is trying to deregulate protections on our money. It’s a smokescreen that they are trying to protect the small business.