It is an interesting debate we are having here, the discussion this morning, from the standpoint that over the last 4 or 5 years, the American public has finally found out what actually goes on in banking and financial service institutions.
Luetkemeyer reflects on increased public awareness of banking practices.
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Why, in the last 5 years, have there been almost no new bank charters issued? Why? What is your reasoning for that? Is it regulation? Or is it low interest rates?
I have been an advocate for a long, long time of reinsurance to be able to minimize the taxpayers' exposure on flood insurance.
It seems as though your Agency has taken on a different mission, that you seem to be pushing an ESG agenda.
The Constitution dictates that the place to debate whether payday lending or any other lawful business should be allowed to operate and have access to the banking system is in the halls of Congress and the State legislatures.
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