We have before the Committee three outstanding and historic nominees to the Federal Reserve who are all eminently qualified.

I think you are right about the importance of community banks, and just to push a little more, so what support has the Federal Reserve provided small lending institutions in the wake of these collapses?

Georgia banks are sound in terms of their expertise to lend to their communities.

We are seeing, in some of our savings accounts, very, very low payments. For example, Wells Fargo pays only 0.15 percent interest.

I am also worried about homeowners who do have equity in their homes being pushed to refinancing now in this high interest rate environment.

I do think the housing shortage in Georgia and elsewhere is a place we need to keep in mind as we think through how to police the mortgage market effectively.

For those that had, I encouraged to not look to other areas to charge consumers and make up for these fees.

We are seeing, in some of our savings accounts, very, very low payments. For example, Wells Fargo pays only 0.15 percent interest.

I have long been opposed to onerous and unnecessary junk fees, junk fees by banks and other financial institutions that do little more than extract wealth from hardworking families.

Congress, it seems to me, and the CFPB must ensure that those just trying to achieve the dream of home ownership are not instead signing up for a nightmare.

I am concerned about the effects that Federal Reserve's interest rate increases have had on recent home buyers in Georgia.

Congress, it seems to me, and the CFPB must ensure that those just trying to achieve the dream of home ownership are not instead signing up for a nightmare.