In the unusual case in which a small bank is engaged in proprietary trading that could pose a risk to the deposit insurance fund or has in place a compensation system that incentivizes excessive risk, the supervisory process would remain available to address these risks. I recognize that statutory revisions of this sort would not be a major reduction in compliance burden.
But they would reflect the fact that, absent a change in this regard, community banks  6  See Daniel K. Tarullo (2014), “A Tiered Approach to Regulation and Supervision of Community Banks,” speech delivered at the Community Bankers Symposium, Chicago, November 14. 7  80 Fed. Reg. 20153 (April 15, 2015). 8  80 Fed. Reg. 5666 (February 3, 2015).