ABA Banking Journal - December 2009 - (Page Cover1) CRE pain W ill regulators be “kinder and gentler” on commercial real estate exams as a result of new guidance? ¶ “We’ll believe it when we see it,” is the view of many community bankers for whom there is a great deal of exasperation over exams and appraisals. Others regard the guidance as constructive. Either way, there’s a lot of pain to go around in this market segment. … (please turn to page 16) Banking ng gHOW’S YOUR RDC RULE IQ? 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