The (https://www.cnbc.com/2026/07/13/regulators-urge-banks-to-scrutinize-loans-to-unauthorized-immigrants.html) — and nobody's connecting the dots to deposit behavior yet. This isn't about credit losses (they're minimal). It's about *where that lending friction cascades*. Immigration-dependent sectors (hospitality, construction, agriculture) have been a quiet deposit-generation engine for regional banks.

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