Edward Royce actually said...

"That is what drives it, and that in turn, your argument is that this drives access to credit in a way that otherwise wouldn't occur?"

"Because of the economies of scale?"

"Let me ask you another question. Are you concerned that raising the cap would open the credit unions up to additional risk?"

"The methodology here is also this isn't a blanket increase for all credit unions; there is a series of criteria that would have to be met in order to qualify."