Cynthia M. Lummis: “Congress must find ways to ensure that we are not simply transferring our obligations to future generations.”

So if your ultimate goal is to provide real consumer protection, shouldn't the SEC withdraw Staff Accounting Bulletin 121 to allow banks to provide custody?

Thank you, Mr. Chairman.

What does the housing shortfall look like in rural communities?

The problems that you are solving with your approaches are extremely important.