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Community Banks: These institutions could gain an edge in regulatory relief, thereby enhancing their competitive capacities in localized markets.
Banks in the Transition Zone: Institutions with assets between $50 billion and $100 billion stand to benefit as the regulatory pressures they currently face may ease, allowing for growth and strategic acquisitions.
Consumers: Notably, consumers could benefit from provisions requiring credit bureaus to freeze credit access for free, eliminating the fees currently associated with credit freezes. This change, particularly after recent breaches, enhances consumer protection regarding identity theft.
Losers: