I personally think that community banks should be exempted from the Basel III requirements or have a different standard because they are not global competitors.

I fear that as the CFPB drafts more regulations, this type of relationship lending will cease to exist.

I would like to add my voice of concern to the previous questioner, Ms. Velazquez, on the issue of the Basel III and the effect it is having on and could have on our community banks.

If we would unleash the power of this country to really have a full and flourishing energy economy, both including in my State, coal and natural gas, but Keystone Pipeline and others, we would have thousands of people, more people working.

The majority of the focus on the implementation of the Volcker Rule has been on the effect it will have on Wall Street's ability to conduct trading activities.

Good answer.

I think the institutions can follow a roadmap if they can see the roadmap, and they can follow the directions if they have the directions.

EPA's objections have drastically impacted the ability of our State to run our own NPDES permitting under Section 402.

I would like to know from you, Secretary Darcy, how has the interaction between the Corps and the EPA changed since the 2012 court decision?

I realize that. There is a lot of activity, and the colonels have done a great job.

With the court striking down the enhanced coordination procedures that were put into effect by the EPA, has there been any activity in the EPA to reconstitute these under a different form?