Following the financial crisis of 2007-2009, Congress passed the Wall Street Reform and Consumer Protection Act, also known as the Dodd-Frank Act. The act increased regulation of the banking system, and from 2010 to 2015 only one new bank opened in the United States. According to an article in the Wall Street Journal, "Lawmakers are concerned about the dearth of new banks because small banks make the majority of farm and small-business loans." Why might farms and small-businesses be more likely to rely on banks for funding than would large corporations?