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” For example, after acknowledging the joint examination guidance that indicates prudent small business lending will not be criticized, Congressman Bachus stated, “Sadly that guidance is not always filtering back to the operational level, as indicated by the constant stream of comments I and my colleagues…receive from community banks and their small business customers…This has become so commonplace that it has become known as the mixed messages problem. ” At the same time, John D. Harrison, Superintendent, Alabama State Banking Department, emphasized the value of local expertise at the field level. “t looks like we’re all coming down from Washington,” he said. “We need to be sending that authority and that responsibility down to that region and that field level person that should be able to work with that institution, know that market, know the economic conditions and come up with a sound judgment. ”In addition to communications issues, some participants suggested that some examiners and bankers are adopting an overly conservative approach to small business loans. For example, Senator Warner pointed out, “hether you are a lending officer or…a bank examiner,…human nature…pushes you to more conservatism. ” Similarly, some bankers, feeling pressure to improve their balance sheets, may be more restrictive when granting credit and partly attribute their reluctance to supervisory policies and examiners. As FDIC Chairman Bair noted, “ometimes our examiners are used as an excuse. may not really want to make the loan, and ‘Oh, our regulator won’t let me do that. ’ So some of that happens.