Banks have great advantage in delivering or handling financial services and so in future we do not necessarily look at somehow delivering credit to a rural area but really look at providing financial services to a rural area.
My sense is that greater complexity would be unnecessary for community banks, where a simpler, less burdensome approach may be quite satisfactory for supervisory purposes for most banks. Nevertheless, all banks should take to heart the message the Federal Reserve and other supervisors are sending about the need for stronger practices for evaluating credit risk.