Access to credit continues to be a common challenge for small firms in the United States, particularly for traditionally underserved communities. Research on small business lending consistently shows that minority-owned firms are approved for bank loans at significantly lower rates than their white-owned counterparts, are more likely to be discouraged from applying, and receive smaller loan amounts when they do receive credit. Data from SFD USA fits that pattern: over 70% of

A review of the final Dodd-Frank rule The promise of better data and greater accountability The small business lending market is extremely opaque. For example, decades of surveys and research has shown that minority-owned firms are approved for bank loans at significantly lower rates than their white-owned counterparts, are more likely to be discouraged from applying, and receive smaller loan amounts when they do obtain credit. America has never had a federal regulatory requ