Minority Attack: How to play against Black's idea of b5 in the QGD?

How would you play against b5? I find it extremely hard to make progress in the minority attack when Black has played b5 in the QGD. Here is a sample line: 

Though this is not the best example, I think you guys know what I'm trying to say.

I think it may be easy to move the white Knight to d2 then b3 and c5 here

@Yashi2004 I think that is a nice square for the knight. However, once Black gets a knight on c4, it's very hard to break open the queenside, and Black can freely play on the kingside where he should be playing.

@Monie49 Of course the c-pawn is potentially weak, but without a queenside break it seems very hard to penetrate into the queenside. Additionally, a Black knight on c4 will hamper White's plans. 

Note that a4 is always by a6, when it's unclear that the a-file could be of good use for White. 

13. h3

@DeirdreSkye Thanks for the insight! I just inserted Bg4 without much thought, but yes, Ne5 is the way to go. 

But I'm wondering how else to play if Black is ready to play b5 and my knight is on f3 rather than on e2. It seems like preparing b4 does not do much as b5 just stops it in its tracks. If a4 is played first, then a5 is quite annoying, and a3-b4 seems to be quite useless. 

Black can improve the idea, by being ready to play Nb6-c4, and a5, a5xb4 at the right moment. From black's point of view, b5 is usually of the cards if getting Nc4 in time isn't possible, The ideas @DeirdreSkype mentioned are shown in a Karpov v Spassky game, which I first saw annotated in "Play like a grandmaster".

http://www.chessgames.com/perl/chessgame?gid=1067813

You can play in the center after b5, for example with e4. Even if it gives you an isolani his pawn on c6 isn't really strong either.

The Karpov game is typical for grandmaster game in that an idea is often not clear-cut good or bad. For example Tal didn't like 14...b5, preferring 14...Be7, whilst Botvinnik did play b5 in similar situations in his own games. Instead of 16....Nb6?!, 16...a5 intending a4 was better, and white should probably prefer 15Nd2 intending Nb3.

Don't really understand the fear of the minority attack in FIDE 2000 and less play, i.e my own level of play, Very often even an inacurate b5 will stop the mechanical b4-b5, and the opponent won't know what to do, like the OP here. Even if b5, and b5xc6 acheived, a single backward pawn is created, which won't lose the game, on its own. The positional ideas involved to make progress is beyond the ability of the players, and the game is really decided by cruder mistakes. 

Thanks, @TwoMove!