The fact is, there is room to modernize CRA and to update it to the realities of modern-day banking. The Fed and community advocacy groups have put forward some thoughtful ideas on just how to do that. Let us pass this bill, let us stop this ill-fated rule that the OCC put out, and let us do some real CRA to help people in these communities who have been deprived for far too long. Mr. McHENRY. Madam Speaker, I yield 3 minutes to the gentleman from Colorado (Mr. Tipton), a great member from the Financial Services Committee who also is the vice chair of the Western Caucus.
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