Mike Johanns: “It is systemic. It is cultural. It is people have just adopted this mode of operation as the way of doing business.”

I think it would be beneficial.

I will continue to push this legislation, but many of its provisions are things that HUD has the flexibility to implement on its own.

It is Congress who will create the next housing finance system and that the next housing finance system is not the conservatorship of the FHFA.

Thank you, Mr. Chairman.