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Since 2009, the number of banks in the country has been halved.As a California regulator notes, between failures and mergers, "there's a market gap to fill." There is also "a pool of talent to operate those new banks." So, why only eight applications in the pipeline? One of the organizers of one of the two "It was definitely a challenge" to open a bank, said Molly Gallaher Flater, founder of Blue Gate Bank, which opened its doors in January after an eight-month application process.

The “America’s Next Top Model” creator shared a personal photo of herself and her beau with on Wednesday.

PHOTOS: From Sexy Supermodel to TV Mogul: Hot Shots of Tyra Banks!

On Tuesday night, we caught up with the beauty at a Sports Illustrated event, where she shot down rumors of a love connection between her and Shervin.

Regulatory reform may, eventually, come to pass, but starting a new bank that depends on it is, in my view, flying on a wing and a prayer.

Economic conditions and regulatory burdens still make it a tough business in which to make money. While that's 200% better than zero, and the best year since 2008, Witkowski observes that it's a far cry from ten years ago, when 250 applications were received and 237 approved.

In 1975, Philip was put on the board of the NAACP and was later awarded the Urban Spirit Award for his work in promoting civil rights.

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