Yes it is. The controls put in place are squeezing the necks of banks especially small banks and working against small business. A major reason for a lack of recovery. The Obama administration has failed again and again and again. They have no experience and no common sense. They do however understand Chicago politics and all the corruption that goes with it. Oh, lets not forget the agenda and the division. It figures they used the homo to draw it. They can claim we are racist gay haters if we question the results of the bill. Sound familiar?