William M. Thomas: “That is a prime example of overreach, in my opinion.”

Government housing policies did contribute to the problem. Government tax positions also contributed to the problem.

Community banks, basically when you move from that model of originate to hold to originate to sell, got pushed out of the home mortgage market pretty significantly.

Yes, Dodd-Frank has become law. But as the Administration begins to move in the direction of regulations, you ought to bring them in and examine it again, because I think many of them overreach.

Saving taxpayer dollars, cutting costs for the regulated community, and ensuring speedier resolution of cases are all a net gain for the voter and our electoral system.