Let me break this down: You might have noticed that getting a loan is already tough. But now the Biden administration wants to make it even harder for mom-and-pop shops and local entrepreneurs.

The new banking regulations are supposed to be about safety and security, but here's what nobody tells you on CNN: These rules will make banks less willing to lend money to small businesses.

Small business owners already have enough challenges without the government making it harder for them to get the capital they need. And guess who benefits from this? Big corporations that can game the system and play by their own set of rules.

I've been watching this for years, and every time a new administration comes in, it's like they're setting up roadblocks for small business owners. The real figure buried in these regulations shows just how much harder it will be to get that loan you need to keep your doors open or expand your operations.

Who do you think this is helping? Not the guy with a Main Street storefront and a dream. This isn't about supporting American entrepreneurs; it's about propping up big business interests.

Here’s something they don’t want you to know: The Obama-era regulations were bad, but these new ones are even worse for small lenders who can barely keep their heads above water as it is.

The real story here is that these rules will make it more difficult for the little guy to get a leg up. And when small businesses suffer, so does everyone else because they’re the backbone of our economy.

So what do you do? Protect yourself, protect your family. Watch out for those hidden fees and complicated terms in new loan applications. And if you know someone who’s struggling to start or grow their business, share this with them.