Banks, not government regulations, or taxes...
Video at the link, too.
http://www.cbsnews.com/stories/2011/10/08/eveningnews/main20117716.shtmlJob creators face roadblocks
By Russ Mitchell
(CBS News) The economy added more than 100,000 last month, but that wasn't enough to budge the unemployment rate off of 9.1 percent. Historically, over the last 15 years, almost two-thirds of new jobs have been generated by small businesses. But now businesses that want to hire new workers are being frustrated by banks that cut their access to credit. CBS News correspondent Russ Mitchell examines the issue.
-snip-
Here's what happened: Before the financial crisis, Martinez was charging around $50,000 a month for goods and shipping -- $50,000 with an $83,000 credit limit.
But then Chase Bank cut her credit limit down to around $50,000, meaning Martinez was now using nearly 100 percent of her available credit -- a red flag that caused her credit score to drop from 700 to 640, which then triggered Chase to lower her credit further to $40,000.
"I'm in a spot where I don't understand why when I've managed my relationships appropriately and responsibly, all of a sudden the credit card companies are turning their back on me," Martinez said.
-snip-
According to CBS, 60% of entrepreneurs say their credit card terms have worsened.