1  See, e.g., Daniel K. Tarullo (2015), “Application of Enhanced Prudential Standards to Bank Holding Companies,” testimony before the Committee on Banking, Housing, and Urban Affairs, U.S. Senate, Washington, March 19; Daniel K. Tarullo (2014), “A Tiered Approach to Regulation and Supervision of Community Banks,” speech delivered at the Community Bankers Symposium, Chicago, November 14; and Daniel K. Tarullo (2014), “Rethinking the Aims of Prudential Regulation,” speech delivered at the Federal Reserve Bank of Chicago Bank Structure Conference, Chicago, May 8.
BIS central bankers’ speeches  1  The business model of nearly all community banks is grounded in the most traditional form of commercial banking – lending to businesses and households with funds predominantly obtained from deposit accounts. And, as this audience well knows, lending by community banks is built substantially on relationship banking.