For nearly three years, federal banking regulators have been voicing their concerns to bankers about the growth of commercial real estate loans and the risk those loans pose. In the past couple of months, regulators have spoken a little louder. They are putting banks across the country on notice that they will be looking a lot harder at the commercial real estate loan portfolios of banks. It's gotten the attention of bankers in Wichita, especially those at nationally chartered banks. It's their regulator, the Office of the Comptroller of the Currency, that is making the most noise -- and demanding some action. ...