By David Hills and Michael Lent

Millions of America’s small business owners suffer from bad practices on Wall Street -- something often given short shrift in debate about creation of a consumer financial protection agency.

As owners of a financial advisement firm with offices in Portsmouth, N.H., San Francisco and New York, we focus on financial products with sustainability, values and transparency. And with more than 70 years of collective experience in the financial services industry, and many clients owning small businesses, we've long known that what's good for Wall Street isn't necessarily good for small businesses and consumers.

Through irresponsible lending, greed and poor risk management, huge Wall Street investment firms and banks brought about a financial crisis that's resulted in massive unemployment and hardships for millions. But while small businesses have borne the brunt of the downturn, it is they who will create the jobs that rebuild our communities.

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