Well, let me close by saying an IG's purpose is to make the agency they oversee more efficient and effective, and Ex-Im certainly has a lot of room to improve on making racial equity a greater reality, so we look forward to working with…

the lack of minority representation hurts the Fed's ability to do its job.

I hope upon your confirmation that you will work on a revamped CRA rule that will deal with some of the challenges we have with minority, small and mid-sized business owners' lack of access to credit, a problem particularly evidenced in…

Would a mandatory arbitration clause and a class action waiver... leave the borrower with no meaningful path to challenge a lender's actions?

Is it possible that a lender could game the transition away from LIBOR in a way that leads borrowers to face higher interest loans?

And these are all the consequences that I am fearful of on the consumer side of the equation, which is one of the reasons I appreciate your testimony.

How important would it be for the CFPB to finish its guidance to private lenders as they transition away from LIBOR?

How can Congress and regulators ensure that lenders choose a replacement rate that is fairest to the borrower?

If the lender chooses a rate that causes a borrower's payment to become unaffordable, do many lenders offer flexible repayment options?

I hope that you do, in order to make sure we do not have millions of errors in this transfer.

Sunlight is the best disinfectant, and it is time to bring some sunlight to small business credit as well.

Having staff in the field is critical for HUD to be able to accomplish its mission.