Jon Tester actually said...

"I have always talked about availability and affordability. It is a problem and continues to be a problem."

"I have been concerned about small businesses and families in rural communities having access to capital and credit."

"There is also a lack of affordable accessible housing across the country, and that problem has only gotten worse during this pandemic."

"I want to thank you, Vice Chair Quarles, for the work that you and your team have done at the Fed during this crisis."