Mr. President, I thank the Senator from Kansas, Mr. Moran, for his kind comments and especially for so clearly explaining the true beneficiaries of this legislation. There is a lot of talk about financial institutions and even small banks and credit unions, but the real beneficiaries are the borrowers. They are the small businesses and the individuals who live in small and rural communities across this country and, frankly, even in some of our larger communities across this country. I thank you for explaining that so well. The first words in the name of this bill are the ``Economic Growth,'' then ``Regulatory Relief, and Consumer Protection Bill.'' I would like to turn to Senator Donnelly from Indiana--another one of the giants in terms of sticking to it and helping us get this important legislation drafted and moved to the floor.
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