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But it seems to me a lot of the focus is just on urban America. I would like to be able to expand that out a little bit to rural America.

But this technology shift is something I am really interested in.

Would you be willing to work with this committee and come up with a plan how to reform, expand, and consolidate some of those other programs?

It is unfathomable to me that the President would want to eliminate the only federal agency that is specifically focused on local and regional economic development.

I look forward to hearing from our witnesses.

How do we change CRA to actually meet something that was not contemplated at the time?

We still have work to do.

I think it is important for us to note that the Community Reinvestment Act at the time was a landmark piece of legislation that has for decades served us well.

Instead of coming up with plan on how you won't exist, would you be willing to work with this committee and come up with a plan how to reform, expand, and consolidate some of those other programs?

A critical part of recovery is also bringing back those jobs and making sure that the communities have those jobs and the infrastructure there.

I have had is I will get calls from local city council people that have filled out paperwork, only to find out that they have got to fill it out again and again and again.

What it does is that becomes our ability to actually share it with this administration and future administrations as we work to try to show how we are helping communities.

As we look at this in conducting proper oversight, we are going to count on you to help us with that oversight and making sure that we are effective with those programs.

We need to update this regulation, update the law, in fact, if we are able, to ensure that banking is available to people on their terms.

Today, the CRA is an analog approach in a digital world.

Our capital markets are decaying. The average age of listed stocks is getting older and yet, we have fewer stocks.

Do you believe that accreditors should face consequences when they don't do their jobs?

But in reality, we are talking about people's lives. Every student that isn't served well is a life that is losing time, losing potential, losing its impact.