Classic example of the unintended consequences of Dodd Frank and other financial regulations in the aftermath of the 2008 recession. 

Compliance with 22,000 pages of new regulations requires an army of lawyers on staff.  Big banks can afford that but small community banks - which used to provide more than half of small business lending like, say, construction loans - go out of business.  So in trying to solve the problem of "too big to fail", regulators have helped to create even bigger banks. 

The article nicely frames the issue in terms of supply and demand, but stops short of fully exploring the government distortions of a free market on the supply side.