Jeb Hensarling: “I am very happy now to yield 1 minute to the gentleman from North Carolina (Mr. Pittenger), a member of the committee.”

HUD resources have not been the challenge; HUD focus and success has been.

HUD has failed far too many for far too long.

How are we that much better off? And if we could put up a slide, you are asking community banks to make a forecast.

reduce taxpayers' risk, codify into law an explicit government guarantee, and increase market competition.