Point out at least three concerns/issues that Governor Bowman had talked about in his speech.

Why According to Bowman, "community banks are a critical engine to the economy"

Explain how does the community and eventually the larger economy suffer due to the limited access to credit?

Bowman said, "in fact, given the sound condition of the banking industry,there were no community bank failures in 2018".do you agree to this statement? If yes, list out at least three major community bank failures in the past decade and summary about each of them. If no,list out at least three community bank failures in 2018 that should be noted and summary about each of them.