51.   Gramm argues that the CRA paperwork burden is too tough on smaller banks.

52.   He had sought a provision that would exempt thousands of smaller banks from the law.

53.   He said local banks, and perhaps a few foreign ones, will buy up smaller banks in Brazil in an effort to compete for customers.

54.   He said he feared surcharges by those two banks would force customers of smaller banks to defect to the two larger banks.

55.   However, there were signs that smaller banks are making progress in getting rid of troubled assets and returning to profitability.

56.   In a survey of ATM surcharges by CalPIRG, bigger banks charged higher fees than smaller banks.

57.   In addition, smaller banks are abandoning their money fund operations.

58.   In fact, some smaller banks do need advance notice to obtain the foreign currency you might need.

59.   In recent months, several smaller banks have done that to boost their capitalization ratios.

60.   In recent years, it has sought to buy smaller banks.