Jon Tester actually said...

The proposal provides authority for the agency to collect annual fees or assessments. How do you see this impacting smaller financial instit...

Are we doing the same thing to the community banks that you just talked about to the Wall Street banks?

I think the regulators are a bit paranoid at this point in time and they don't want to have any failure on their watch.

You need to be regulated, but you are not the ones that caused the problem.