When Wolters Kluwer asked bankers recently which regulatory concerns keep them up at night, 46% said "regulatory reform" — referring to new rules stemming from the Dodd-Frank Act and the Consumer Financial Protection Bureau.

But more than a third (35%) of respondents in its regulatory and risk management study said they are alarmed about new consumer lending regulations, including the CFPB's new mortgage lending rules and changes to the Truth in Lending and Real Estate Settlement Procedure acts.

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