Tim Scott actually said...

It certainly appears to me that the consolidation within the banking space has led to more access and opportunities for smaller credit union...

the mortgage market was good news for all around, that more opportunity for more consumers and a wider path to the American dream

What we heard from that hearing was many of our citizens were very thankful for the responsiveness of both agencies.

Do you have any recommendations for ways to reduce the hurdles or the bureaucracy that is in your agency?