APRA - the banking regulator is considering what actions it can take to address the medium-term risk created as a result of surging loan sizes compared to what people earn.The changes are likely to cool property prices.So how will this all work and who might be impacted?ANZ Senior Economist Adelaide Timbrell and NAB'S Agribusiness Economist Phin Ziebell join Gillian to discuss.And Phin's audio gets much better in the second half - we promise, so stick with us.See omnystudio.com/listener for privacy information.