“You've got to think big to solve problems. … Some of the present bills [have] the potential to solve the major inequality problem in the United States.” (Friedman) “Given the historically low rates, what we're saying is the government can be the catalyst for effecting long-term change.” (Wilson) As co-CEOs of EJF Capital, Manny Friedman and Neal Wilson oversee more than $6 billion in assets, with clients in 22 countries and offices on three continents. Their innovative strategies focus on trends driven by regulatory change, which could soon deliver an infusion of capital to banks in underserved communities – if current legislation passes. “Often in a democracy you need a crisis to get a focus, but we have the focus right now,” Friedman tells Mike. “We also have a lucky break of zero interest rates. We must enact this legislation, which will allow these institutions long‐term capital that can't go away so that they can affect these communities.”