Thomas J. Curry: “Generally speaking, I think the principle is clear from the Constitution that the Federal law supercedes conflicting…”

It is wholly unacceptable for an institution, its officers, or employees to provide false or misleading information to the OCC and its examiners.

If you ask for that--even if you do not ask for that, if it has an effect on the bank's books and the bank's solidity, then you have a right to it and should get it even without asking.

Thank you for the opportunity to discuss those provisions in the Dodd-Frank Wall Street Reform and Consumer Protection Act that reduce systemic risk and improve financial stability.

We do need stronger capital, which we are getting through Basel III and other rulemakings.