Woodstock Institute recently signed on to a letter led by the Center for Responsible Lending and Americans for Financial Reform calling on the Federal Reserve and the Office of the Comptroller of the Currency (OCC) to reject a proposed merger between TD Bank and First Horizon Bank. The comment points to several reasons why regulators should reject the merger, including TD Bank’s exceptionally poor treatment of consumers and an exacerbation of the “too-big-to-fail” problem if the merger is approved.