-----BEGIN PGP SIGNED MESSAGE----- At 11:25 AM 12/11/96 -0800, Douglas Barnes wrote: [snipped]

The more enlightened answer is to back off enough on the regulation so that marginal loan markets become attractive business opportunities, and any truly irrational lending practices (e.g. based on race) lead directly to losing business to a competitor.

This does appear to address both my moral concern (raced-based lending) as well as my liberty concern (favorability of less regulation). I support the repeal of much of the over-burdensome banking regulation already in existence. I continue to work closely with a Congresscritter who satrted off on the Banking Committee (Now has a good Ways and Means seat) whom I have expressed my concerns to. What helps is to have concrete deregulation proposals. In Wisconsin I have supported the extension of personal property tax exemptions to business computers (and an elimination of the personal property tax in total.) While discussions on the list often deal with theory it is important for those with the inclination, to act. Cypherpunks write Code (as in USCA? ;-)

Doug

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