I want to go to the issue that I talked about in my opening statement, which was the issue of the CDOs and the TruPS and how that ended up in the final rule.

No one discounts the complexity of the rule and the probability that there would be significant unintended consequences.

The final rule is having a measurable impact on Main Street businesses and financial institutions.

Do you think these can be solved in your space or is it--legislation?

I would encourage you to do it.

I would heavily encourage you to do that, but there are other programs out there that don't have the voice that Habitat had who are--deeply affected by this.

Thank you, Mr. Chairman. And I would like to thank Director Cordray for joining the committee this morning.

So my question is, what is plan B here?

Community bankers and credit unions are very concerned about their ability to offer targeted programs to help low- and moderate-income borrowers.

They still don't feel like they are on firm ground in terms of the rules to be able to move forward with their programs.

We are ready to do that. What is your response to that?