the final witness to testify here this afternoon is daniel fleming, a trucking business in virginia. it's a family-owned business founded in 1903 with the transportation services, they were provideing consisted of a horse and buggy when they started. he is testifying on behalf 69 truck representing and leasing association that mr. fleming -- you have five minutes to present your testimony. >> thank you mr. chairman. as you said, i'm daniel fleming, president of national trucking lease, and we're a member of the truck renting and leasing association. i'm testifying today on a troweling aspect of the dodd-frank act, namely section 10 # 71, the small data loan collection division. we are a family-owned business with 18 permanent employees in springfield, virginia, and landover, maryland. we are proud association comprising of 550 companies employing 1,000 people in 25 locations throughout the united states. not only with all of 550 members small businesses themselves, but the vast majority of the customers we deal with are also small businesses in search of vehicles and equipment for re