Mr. Speaker, I yield myself 10 seconds just to say as the jihad against banks continues, if you read the bill, it doesn't have to do with banks, it has to do with nonbanks. And the apocalyptic vision that is described by the ranking member is supported by a majority of Democrats on the committee. Mr. Speaker, I yield 5 minutes to the gentleman from Florida (Mr. Ross), who serves as the vice chairman of our Subcommittee on Housing and Insurance and is the Republican sponsor of this piece of legislation.
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