three normal enforcement actions consent cease and desist orders and those relate to bank secrecy and aml compliance, there is one related to mortgage servicing activities and one related to compliance risk management in general. so we have been obviously working on issues with the firm related to compliance generally. i will say that in any situation where there's an investigation if we -- if we have evidence or we are provided with evidence ses especially those we would favor certainly moving forward and have further committed to taking any appropriate angst e sanctions or penalties that would have accrued from the outcome of that work. >> these are, as you know, very serious accusations. and, in some cases, more than accusations as we've found. and, this committee, a lot of us will be watching the fed's actions on this. >> we agree. they are very serious accusations. >> question. for the four regulators. each of your agencies must come ply with the smooth requirements on writing rules. this is a follow up to general shelby's question. he's requiring you to publish rules for public comm