GARY G. MILLER: “To preserve the countercyclical role, FHA must lessen taxpayer exposure.”

Credit unions have done a great job reaching middle-class and underbanked families through credit.

On the recent ruling on Basel III, you acknowledge insurance companies are very different from banks, and you postponed any negative decision on that. I think that was a very, very wise move.

But you have lenders right now who are really keeping capital out of the marketplace because they don't know what is going to happen.

You have taken the first law of nature or self-preservation, and you are using it, as I think God intended us to, to protect our persons, our crew, and our cargo.