James Lankford actually said...

This is something we have all talked about a lot and that is multiple forms.

There is a Supreme Court ruling that just came out dealing with the Mortgage Bankers Association and the issue of interpretive rules.

How does that affect the decision of the agency as far as when you are evaluating effectiveness and cost-benefit, all of those things?

Although Federal regulations have undoubtedly conferred benefits to everyday Americans, it is clear there are also regulatory excesses and s...