John Pataky , the new Chair of CBA’s Mid-Tier Retail Executive Forum and EVP, Chief Consumer and Commercial Banking Executive at TIAA Bank, discusses who mid-size banks view as their competition, mergers and the impact of prolonged low interest rates. John also talks to CBA President and CEO Richard Hunt about the need for bankers to serve as strong advocates for the industry with policymakers and what it is likeworking with the new regulators in Washington, D.C.