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Shift in financing for middle-market companies still leaves banks at risk.
Yellen expects to keep borrowing costs low for years to come.
Crackdown could cut loan issuance by up to $80B in 2015.
Economists expect the Fed to drop pledge to keep interest rates near zero for a 'considerable time.'
In minutes from the Fed's July meeting, officials said job gains may bring faster interest rate rise than previously expected.