David Scott actually said...

We have not had a new African-American bank in a quarter of a century--who are very concerned about this rate cap.

According to the most recent statistics, there are 58 million unbanked and underbanked folks out there.

However, this whole issue is sort of bringing us into the new frontier for our entire financial services industry.

At the outset, Comptroller Otting, let me remind you that you are not the dictator of our financial system.