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banks, i kind of resent mr. wilson's testimony here today

that talks about qm, even, without him even understand that go his bank under qm, a bank under $2 billion, you can keep all of your loans in portfolio as long as they're not predatory loans, no documentation loans, those kind of loans. and you have some protection under safe harbor. so i'm going to go to barney frank. let's talk about what we have done and what you have done to be of assistance to small banks and community banks. >> a couple things. first, on the point you raised, i am, again, very surprised to hear my republican friends now say our problem is that we have toughened up the standards for banks to low-income people. i thought that was a general agreement that was part of the problem. but there is this myth that somehow democrats were pushing for these loans. in fact, during the period from,