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American Banker readers share their views on the most pressing banking topics of the week. As excerpted from the Comments sections of AmericanBanker.com articles.

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On JPMorgan Chase CEO Jamie Dimon's post-earnings remarks:

"It is disheartening when the figurative leader of an entire industry is sounding defeated."

Related: JPMorgan's 1Q Slump Shows Just How Little Fun Banking Is Now

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On the prospect that mortgage originations will fall to the lowest level in 14 years:

"A direct result of the over-reaching federal regulation and compliance hurdles which make the mortgage business too costly without a reasonable return to the originators. In fact, it penalizes the consumers it set out to protect from us 'evil' bankers."

Related: Mortgage Originations Could Drop to Lowest Level in 14 Years

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On the assertion that big banks shaped the Federal Reserve to serve their own interests:

"The other reason that the banks wanted a 'central bank' was that they could no longer finance the U.S. economy."

Related: How Big Banks Created a Fed to Serve Their Own Interests

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On how regulators may revamp Community Reinvestment Act enforcement:

"Technology is shifting rapidly and regulatory recognition of that would go a long way to spurring banks to invest more [in] low-cost, technology-based solutions in low-to-moderate income areas versus what they do today."

Related: How Regulators May Revamp CRA Enforcement

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On a call to end "excessive" overdraft fees:

"Excessive overdraft fees are just one more example of bankers viewing their customers in a predatory way."

Related: 'Principled Solutions' Needed to End Destructive Overdraft Fees

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On Comptroller of the Currency Thomas Curry saying "heightened expectations" don't apply to small banks:

"Community Bank supervision has not been balanced, tailored or expert for five years now … all the new ideas are implemented as one size fits all no matter the words out of Washington."

Related: 'Heightened Expectations' Don't Apply to Small Banks: OCC's Curry

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On the assertion that payday lending is like a noose:

"It is no more a 'noose' than any other form of lending."

Related: Payday Lending Isn't a Lifeline. It's a Noose: Comments of the Week

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On a claim that the problem of too-big-to-fail banks is "fading in the rearview mirror":

"Objects in the mirror are closer than they appear!"

Related Related: TBTF Is Fading in U.S.'s Rearview Mirror

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