The Independent Community Bankers of America and the American Bankers Association, both seeking to be the voice of community banks, are taking different positions on the "too-big-to-fail" debate. The ICBA backs legislation calling for the biggest banks to maintain higher capital levels, while the ABA, which represents large and small banks, is taking a more cautious approach on the issue. Other regulations, such as the qualified-mortgage rule, are more pressing than attacking the big banks, ABA officials say.

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