Robert Wilmers

Monetary policy was intended to act as an accelerant for an economy in recession, and did in fact accomplish that goal early on; however, its benefits have waned, if not reversed, over time.

Because the fates of banks and the communities they serve are so intertwined, the regulatory impacts borne by regional banks are inextricably linked to the repercussions experienced by their customers.

We are reminded frequently that policies with the best intentions often do not reach their intended recipients and at times lead to previously unforeseen issues.