Bankers told Federal Reserve Chairman Ben Bernanke on Monday that strict regulatory requirements and falling property values have made it harder to qualify small businesses for loans. But even creditworthy entrepreneurs aren't seeking loans until they're more certain about the economic recovery, according to the chief economist at the Independent Community Bankers of America. "As a business owner, you're not going to take on more debt if uncertain about your business prospects going forward," the ICBA's Paul Merski said.

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