01/14/2014
https://congress.gov...
"hatred is a threat to democracy."
"CRA laws passed to reduce discrimination in the credit and housing markets including what had passed the Fair Housing Act of 1968."
"Small community banks have been disappearing at an alarming rate since the financial crisis..."
"I understand that switching to the CECL accounting method... will have significant real-world impacts on community banks, minority banks, and other providers of credit and banking services."