From Michael J. Pallerino's article in The Marietta Daily Journal:
“Banks can only shift so much of the costs to consumers,” said John Berlau, author of the study and a senior fellow for finance and access to capital in the Center for Economic Freedom at the Competitive Enterprise Institute in Washington, D.C.
“They already are having to eat some of the costs themselves. Some small community banks in Georgia also are starting to feel the pinch due to the indirect effects of price caps and other of the amendment’s provisions. This means less credit available to businesses, including the retailers that lobbied for the amendment."