It was reported in the media today that 700 U.S. Banks are on the FDIC watch list for being in danger of failing. Statistics reveal lending in the U.S. banking industry is dramatically down. Many of these 700 troubled banks and other U.S. are burdened by bad loans. With these developments does anyone find it troubling that like over fifty percent of home loans are originated by three big U.S. banks, its something like Bank of America, Wells Fargo and another bank! Practically all Americans know that a good way small banks make money is by making home loans. Practically, all Americans have seen the movie "It's A Wonderful Life" where the heroic small bank President George Bailey during the Great Depression at the height of the run on his bank persuades depositors not to withdrawal all their money out of the bank by explaining that their deposits are in their neighbors houses. In any event, Federal regulators allowing these three banks to take the lion's share of the home mortgage market are denying small banks a great means of making money in selling home mortgage loans. Federal Regulators should get on the stick and rein in big banks in this area and protect this business for small banks!