Since the economic downturn in late 2008, banks have been inaccurately portrayed as hoarding cash, cutting off small-business lending and turning their backs on loyal customers. This misperception ignores the simple fact that banks are in the business of lending. Banks want to make as many good loans as they can, but continued economic uncertainty has hit the bottom line of many small businesses and led to what may appear as tighter lending standards. The Consumer Bankers Association and its member banks are committed to getting loans into the hands of qualified borrowers. CBA is the only national trade group focused exclusively on retail banking--banking services geared toward consumers and small businesses. CBA members include the nation's largest bank holding companies, as well as regional and super community banks, many of whom are the leading small-business lenders.