the CFPB, as of now in Oklahoma, 24 percent of our commercial banks no longer do home mortgages.

So I am back to the same issue.

Do we need agents to have better independent agencies anymore, and if we do, how do we reform them?

maybe it is time for Congress to actually do its job and provide the lane or the framework for what constitutes things like Waters of the United States.

the move has been to make these agencies structurally independent from Congress, and that is very dangerous.

I think we have lost the why they were created, because they were supposed to be non-political.

But independent from who at that point?

So at some point, Congress has to admit that post-Watergate process that was created did not work as they hoped it would, and it does have to be reformed.

If anyone is keeping score on this, it has been 20 years since Congress has passed a budget without a CR before it.

2 days ago, five police officers were shot and killed and others were very seriously wounded in the middle of a rally trying to bring people together, trying to allow Americans to be able to have what many call our ``conversation on…

this has been a week really dealing with a lot of national security issues, both security here in our country and security around the world. It is a moment when we turn around and look at what is happening internationally. We think about…

So tell me the process of how you evaluated, for instance, that site, other sites, things that were internal, to make the decision we are going to turn this off and not do this, we are going to turn in a different direction?

Why? Because that had to be a metric-driven piece, too, that helps us understand how things were evaluated.

That will help us. We want to get a look at some of those analytics and see how things are evaluated so we can also participate just in that conversation, just as good stewards with it.

So a way to be able to guess at this point for the FBI, cases like Mohamed Jalloh, that have happened in the past year where the FBI learns about this individual, self-radicalized online, preparing to actually carry out an attack, and then…

We get calls all the time from businesses and from individuals that say, we have this overwhelming number of guidance documents and new regs that are coming down on us; we have limited resources as well.

Because I am not asking, did they make the right decision? I am asking, did they do the process, and should there be an ability to have judicial review if they did not complete the process?

OK, so how does that happen?

So but you called it, if I remember, a 'partial list.'

My answer to things like that is, well, when that occurs and it is that severe, that becomes a question where Congress ought to step in and make things happen.

what are we going to do to actually get to the point where we feel comfortable here that guidance is not used as a shortcut to reinvent or to restate current regulation in a way that is inconsistent with either the law or inconsistent with…

But it is every President for the last 20-some-odd years has done 12866.

But here is the challenge when you are dealing with a--I will go back to a manufacturing location as well. They have EPA regulations, they have OSHA regulations, they may have FDA regulations, they have USDA regulations, Department of…

But that is just significant guidance you are highlighting. Is that correct?

And they are all going to be bound by that.