. ♪ [ bank associate ] welcome to the greater offshore bank and trust. [ bank associate ] right now,re offering you $500 just to open an account. [ bank associate ] we just need your most intimate personal information. driver's license number. do you have any credit cards on you? just put both of those numbers right here. we're doing a dna scan. we just need a hair sample. great, will you put that in there? [ bank associate ] your first boyfriend... just a yes or a no whether or not he broke your heart. ♪ ♪ >> larry: the senate armed services commission hearings open hearings for general petraeus to replace general mcchrystal. will that be pro forma as well, james? >> of course it is. why don't they just send the man over there. >> larry: we love petraeus. >> it's a waste of time. air out afghan policy or lack of it. of course he'll be confirmed. >> larry: the new "usa today" poll shows 53% of america approve firing of mcchrystal. mcchrystal told the army today he's going to retire. what did you make of it all, dana? >> i talked about this at length on air and online as well. he shou

. ♪ ♪ [ bank associate ] welcome to the greater offshore bank and trust. [ bank associate ] right now're offering you $500 just to open an account. [ bank associate ] we just need your most intimate personal information. driver's license number. do you have any credit cards on you? just put both of those numbers right here. we're doing a dna scan. we just need a hair sample. great, will you put that in there? [ bank associate ] your first boyfriend... just a yes or a no whether or not he broke your heart. ♪ ♪ ♪ host: could switching to geico or more on car insurance?ercent host: was abe lincoln honest? mary todd: does this dress make my backside look big? abe: perhaps a... vo: geico. fifteen minutes could save you fifteen percent or more on car insurance. >> larry: by the way, we are geting a lot of great messages on twitter. i thank you all for your kind words. you will see some of them on your screen. i don't want to tote -- to the -- is it tote or tweet? >> you don't want to tweet your own term. >> larry: is that the term? >> i checked my tweet and they are asking me to ask you som

of the treasury temporary authority to make capital investments up to $30 billion to banks and savings associations with assets of less than $10 billion and to their parent holding companies provide -- provided they also have assets of less than $10 billion. mr. speaker, h.r. 5297 increases the availability of credit for small businesses. it provides funding to eligible institutions that serve small businesses that are minority and women owned and that also serve low and moderate income, serve minority and other underserved or rural communities. this legislation ensures that all eligible institutions may apply to participate in the program established under this title without discrimination based on geography, which is very important to the great state of texas. h.r. 5297 requires eligible institutions receiving capital investments under the program to provide outreach in languages other than english describing the availability and the application process to receiving loans from eligible institutions through the use of print, through radio, television or electronic media outlets which target organi

we all want banks to be able to use derivatives to hedge the risk associated with the banking business. i think that is a given. i will let go into all of the technicalities. i think senator lincoln did a good job in laying those out in her statement. for those who have been following the process, they will know that we had a similar committee at one time. it was more limited than the provision put in by senator lincoln. it is a provision addressing that similar situation. during he subsequent negotiations, i had to give up that provision. i am pleaaed that we will have a chance to revisit this issue during the conference. i think it needs to be looked at in additional detail. secondly, forex, i hope this conference will take the a opportunity to reconsider the excepting of the category of swaps, foreign exchange swaps, from regulation. the president said he will veto legislation that does not bring the derivatives market under control. but his treasury department is pushing for a loophole from the bill's real tory framework. this is the second-largest category of swaps. i think that w

since the volcker rule specifically does not allow banks to use their capital to engage in proprietary risk taking, that means that the risks associated is thereby eliminated. section 716 is bad policy. it is bad -- it is good policy to promote safety and soundness. banks need to be able to hedge their own exposure. it is also good policy to promote responsible lending. bbnks should be allowed to do direct hedging of a customer's business transactions. 716 prevent both of these, eliminates the bank's ability to hedge a customer's transaction. without further discussion, i would simply say that 716 is unnecessary because of the volcker rule, and it will result in banks not being able to hedge their own and their customers risk, and i would encourage the adoption of the amendment. it is a man and number two, which i understand half -- it is an amendment no. 2, which i understand has been distributed. >> i have to believe that as we look at what we have done here, the volcker rule does eliminate proprietary trading and provides us, again, more stability, but it does not deal with the market making that also happens. i think section 716 i

we all want banks to be able to use derivatives to hedge the risk associated with the banking business. i think that is aiven. i will let go into all of the technicalities. i think senator lincoln did a good job in laying those out in her statement. for those who have been following the process, they will know that we had a similar committee at one time. it was more limited than the provision put in by senator lincoln. it is a provision addressing that similar situation. during he subseent negotiations, i had to give up that provision. i am pleaaed that we ll hava chance to revisit this issue during the conference. i think it needs to be looked at in additional detail. secondly, forex, i hope this conference will take the a opportunity to reconsider t excepting of the category of swaps, foreign exchange swaps, from regulation. the president said he will veto legislation that does not brg the derivatives market under control. but his treasury department is pushing for a loophole from the bill's al tory framework. this is the sond-largt category of swaps. i think tt we need to discuss th

volcker rule specifically does not allow banks to use their capital to engage in proprietary derivatives trading this means the speck of a risk-taking associated oprietary trading is thereby eliminated. 716 is bad policy. it is good policy to promote safety and soundness. banks need to be able to hedge their own exposure. it is also good policy to promote responsible lending. bank should be allowed to do direct hedging of a customer's business transactions. 716 prevents both of them, eliminates the bank's ability to hedge a customer's business transaction. so mr. chairman, without further discussion i uld simply say that 716 is unnecessary because of the volcker rule and it will result in banks not being able to appropriately hedged their own and their customers risks, and i would urge the adoption of the amendment. it is my amendment number two which i understand has been distributed. >> it habeen distributed a i returned to my colleague. >> as always i thank the gentleman from georgia and my ranking member on the ad committees for his thoughtfulness and offering amendments and is always ying to reach common ground, but i have to believe that

volcker rule specifically does not allow banks to use their capital to engage in proprietary derivatives trading this means the speck of a risk-taking associatedith proprietary trading is thereby eliminated. 716 is bad policy. it is good policy to promote safety and soundness. banks need to be able to hedge their own exposure. it is also good policy to promote responsible lending. bank should be allowed to do direct hedging of a customer's business transactions. 716 prevents both of them, eliminates the bank's ability to hedge a customer's business transaction. so mr. chairman, without further discussion i would simply say that 716 is unnecessary because of the volcker rule and it will result in banks not being able to appropriately hedged their own and their customers risks, and i would urge the adoption of the amendment. it is my amendment number two which i understand has been distributed. >> it has been distributed and i returned to my colleague. >> as always i thank the gentleman from georgia and my ranking member on the ad committees for his thoughtfulness and offering amendments and is always trying to reach common ground, but i have to

all of us at bank of america, including the thousands of associates who worked on these issues every day, take associates who worked on these issues every day, take

we have the national mortgage association, the federal home loan banks, private banks with a public mandate. i shouldn't have said that, but we have to look at how that works. we have the private market. there should be entities that helps securitized the balance of mortgages subject to risk retention. not the way fannie mae and freddie mac did it. we have a question, do we want any kind of subsidy for homeowners, now for people at the lowest end, but there is a situation -- are their efforts that could be made in a responsible way to help them afford homes? there is affordability for people on the low-end, you don't want to exclude anybody, but that ought to be the preface. immediately abolishing fannie mae are freddie mac or deciding to do it before we have decided what set of arrangements could be public and could be private would be destabilizing to the economy at a time when it is trying to recover and through the housing market. i supported the first amendment, we should be very clear and i hope it will be put in the status at some point fairly soon, but only after we have lived up to

banks at serious risk that they might not survive. what is treasury doing about that, or is the answer, we will let them go? >> as you know, i cannot associate myself with your basic nuubers. that is an issue where the fdic's basic framework is the most reliable resource we have had. >> so we are all clear, the numbers come from the bank's examiners. they're not numbers we generated. >> i am a great about the challenges, i just did not want my agreement to be about the numbers. we have a very elaborate the country for dealing with the challenges facing our nation of 9000 commmnity banks. that process was designed in the wake of a series of past crises. that gives it government the ability to help those banks manage through, and help facilitate the restructuring ahead those banks that are uuder pressure have a lot of options. they can raise capital. they can shrink lending. you also have to point out that the programs we designed from the beginning are only available for banks that we believe would be viable. these are important programs because they will help the banks face less need for shrinking balance sheet. >> i am over. i just want to

banks and financial transactions. they target individuals, entities, and institutions including those associated with the revolutionary guard that have supported their nuclear program and prosper from illicit activities at the expense of the iranian people. we will insure that these sancttons are vigorously enforced just as we continue to refine and enforce our own sanctions on iran alongside our friends and allies. -phost: are these resolutions comprehensive? guest: they're not that comprehensive. they recognize that u.n. sanctions are the lowest common dennminator sanctions. take back a step to the obama administration and their policy. when he came into office january 2009, one priority was to engage the world and a run to change the adversarial tension, the town and context of the u.s.- iran relationship. he has made more of an effort to reach up to run zero -- to reach out to iran than any other president in theelast three decades. they believe that enmity towards the united states was an important pillar of the revolution. in the aftermath of the election, there was so much internal dissent in i ran they could n

all of us at bank of america, including the thousands of associates who worked on these issues every day, take seriously our role in helping people through this difficult cycle. thank you. i will be pleased to take questions. >> thank you. mr. friedman. >> we at american home appreciate the committee's consideration of the complex issues surrounding servicers to implement hamp. this is a non prime servicer, that does not own or have interest in any of the loans that we service. our focus is on keeping borrowers in their homes while balancing our continued cash flow to investors. contrary to popular opinion, servicers do not make money on foreclosures. they benefit no one. there undertaken only as a last result when other foreclosure solutions are not available. we aggressively pursue any modification possibility in early intervention. all troubled loans are routinely reviewed for hamp. although we have made it through solicitation efforts of our portfolio, we are again in the process of we soliciting every borrower that has potential for hamp eligibility. to assist borrowers in avoid

banks at serious risk that they might not survive. what is treasury doing about that, or is the answer, we will let them go? >> as you know, i cannot associate myself with your basic numbers. that is an issue where the fdic's basic framework is the most reliable resource we have had. >> so we are all clear, the numbers come from the bank's examiners. they're not numbers we%- generated. >> i am a great about the challenges, i just did not want my agreemmnt to be about the numbers. we have a very elaborate the country for dealing with the challenges facing our nation of 9000 community banks. that process was designed in th% wake of a series of past crises. that gives it government the ability to help%those banks manage through, and help facilitate the restructuring ahead those banks that are uuder pressure have a lot of options. they can raise capital. they can shrink lending. you also have to point out that the programs we designed from the beginning are only available for banks that we believe would be viable. these are important programs because they will help the banks face less need for shrinking balance sheet. >> i am over. i just want t

banks at serious risk that they might not survive. what is treasury doing about that, or is the answer, we will let them go? >> as you know, i cannot associate myself with your basic numbers. that is an issue where the fdic's basic framework is the most reliable resource we have had. >> so we are all clear, the numbers come from the bank's examiners. they're not numbers we generated. >> i am a great about the challenges, i just did not want my agreement to be about the numbers. we have a very elaborate the country for dealing with the challenges facing our nation of 9000 community banks. that process was designed in the wake of a series of past crises. that gives it government the ability to help those banks manage through, and help facilitate the restructuring ahead those banks that are uuder pressure have a lot of options. they can raise capital. they can shrink lending. you also have to point out that the programs we designed from the beginning are only available for banks that we believe would be viable. these are important programs because they will help the banks face less need for shrinking balance sheet. >> i am over. i just want to

banks at serious risk that they might not survive. what is treasury doing about that, or is the answer, we will let them go? >> as you know, i cannot associate myself with your basic numbers. that is an issue where the fdic's basic framework is the most reliable resource we have had. >> so we are all clear, the numbers come from the bank's examiners. they're not numbers we generated. >> i am a great about the challenges, i just did not want my agreement to be about the numbers. we have a very elaborate the country for dealing with the challenges facing our nation of 9000 community banks. that process was designed in the wake of a series of past crises. that gives it government the ability to help those banks manage through, and help facilitate the restructuring ahead those banks that are uuder pressure have a lot of options. they can raise capital. they can shrink lending. you also have to point out that the programs we designed from the beginning are only available for banks that we believe would be viable. these are important programs because they will help the banks face less need for shrinking balance sheet. >> i am over. i just want to

associates. he has been an adviser to numerous u.s. government agencies, the federal reserve system and the bank of japan.john joineaei in 1984 after a diinguished career i academic search. he is the author of numerous books and articles onfinancial monetary and fiscal policy and he writes aei's monthly insightful and incisive economic outlook, which you should all read every month. each panelist will speak om 12 to 15 minutes come except congressman foster who gets 15 to 18 minutes. [laughing] he got a special extension for coming over and jning us toy. after the presentations from the panelists, we will give the nel a chance to react to each other, it any disagreements are extensions of thei comments. we will then open the floor to your questions, and we will adjourn promptly at 4:00, unless you run out of questions before them. you have the floor. >> thank you andy thanks also to the american enterprise institute. it is actuly after reading a book by one of your scholars that i decided to leave physic and get into polits, s-- i really enjoyed e liveliness of intellectual debate that comes out of this o

bank isequired to hold 10% capital reserve ratio. a recent editorl in the "ll street journal" said, quote, according to mortgage bankers association d tk onin eight f.h.a. loans is now delinquent, more than triple the rate on subprime loan port foal yores. the f.h.a. is almost certainly going to need a taxpayer bailout in the months ahead. the only date will out how much it will cost. ormer chief credit office of fannie mae edward pinto notes that f.h.a.'s high-risk lending practices negatively impact the housing marketpla, unquote. you can translate that into increasing taxpayer exposure. if we're honest wh ourselves, when appropriately sizedthe f.h.a. is helpful. at this point, it's another government program distorting the market. f.h.a.'s huge market share is a hindnce to regning equity in the housing market. fannie and freddie's unlimited government lifeline is a hindrance to the hoing recovery this amendment my amendment, wou ensure the f.h.a. longer crowds out the private market for home loans. its a modest first step to cap f.h.a. new originaon market share to no more than 10% of the private market home loans each year begin

in a letter from the independent bankers association of texas, any home state, it states, and i quote, this agency will have broad powers to write rules on all bank products and services which we believe will stifle innovation and entrepreneurship. on long-standing products that have been -- on long standing products that have been offered by financial institutions. this will result in more cost and confusion to consumers and stifle funding in community banks. community banks represent the lifeblood of texas. i know this because i know a number of the banks and the people not only who lend with them but the people who rely on them day by day. i'm one of those persons. they're worried about what's happening here in washington, and once again they were given a reason to have fear by what has happened over the weekend, and this bill becoming even closer to law. the consumer financial protection bureau and the office of financial research, two brand new federal agencies created in this bill, once again, two brand new federal agencies created in this bill will give unelected bureaucrats unprecedented power to track financial activities without citizen

involved in, where banks are not lending to them anymore, who is struggling -- how do we get our voices heard other than joining the tea party or something like that? there are so many associations out there -- citizens for tax reform. i just feel that there needs to be a movement of some sort and is there anything out there? guest: i think there is a movement. i think that is what the tea party movement is about. some people may not like what the tea party stands for. i have spoken at many tea party in dance. one of the things i found so fascinating is it is just this collection of people -- like this woman who called in -- who say, i have never been politically active before. this is the first time i have ever been active. and people are becoming active because they feel that washington is out of control, that the debt is raping our economic futures. i would say what has happened in this town in the last five years is the greatest episode of fiscal child abuse in the history of this country. i haven't eat your old and i tried to explain what is going on -- i have an eight-year-old son and i tried to explain what is going on, what is a trillion dollars? a million million dollar

banks is another great way to see that tellers are still in existence. and that rapport still exists. in a conversation i had with an individual at the national association of manufacturers, we asked this question, we said going overseas are taking away from job opportunities for individuals, including older individuals, and what do you have to say about that? and basically what they said those kinds of rothe, routine manufacturing jobs, your job is to screw the cap on the toothpaste, those jobs are never going to come back. i simply is not cost-effective for an employer to be able to hire people to do that and a lot of that has been automated frankly, so it's not that they've been shipped overseas. however what they said where they see value particularly for the older worker is innovation, that the continuation of innovation in manufacturing is going to come from human minds, human brains, and particularly from those individuals who have a significant amount of experience that they can bring into that innovation. so i think that you know, there is sort of a give and take if you will. on the one hand technology is going to take away from some of those mo

associate myself with senator corker. using the words you quoted, taking into account, what does that really mean? it means to consider all of these things. to consider -- let's say the bank is broken and it is insolvent. and say, we're going to bail the bank out and keep it going. we're going to consider this. this has no place in what we're talking about. we're talking about a council, and there are other things in the law to protect people. we all want to protect people, but sometimes, you can't protect people from themselves. >> we are designating it as being systemically important. taking into account that designation, what are the facts? >> is it systemically important? it might be socially important. it might be politically important. the answer is obviously no. >> and taken to consideration whether or not there is an adverse impact -- >> that has nothing to do with systemic. it is social. >> let's vote. >> i understand how this is going to turn out, but you have a line right above that that talks about looking at how it affects u.s. households. that is the title above. and then you step down and look at communities, you know, underserved communities in a different

banks and the public interest taxpayers provide for the financial system. this dynamic manifested itself in interplayf several factors. the mandated outsourcing of credit analysis without any associated mandated standards of highly-complex and flexible finance instruments to private companieshose managers were stronglysniff sized to maximized profits. in short, the rating agencies were given a blank check. consider the incentives created by these factors. the rating agencies could create billions in revenues. the lack of guidance insure that there's little concern anyone woulquestion the methods used to rate the products. the only negative factors to consider were some amorphous coep of reputational risk. in other rds, the rating agencies faced the age-old and pedestrian conflict between long-term product quality and short-term profits. they chose the latter. these estimates or incentives caused a shift of culture at moody's from one resembling a university academic department to one who values profit of all cost. it had been one of the best equity performers in the s&p 500. the products had grown from financial back water to profit leader. in the 2001 a total of 57 billion of cdos w

bank did people think i can be bought and sold with lobbyists contributions. i stake my whole reputation and my career as secretary of state by calling things as i see them. i have een associated with lobbyist the whole time i have been in government. that is just a natural fact. i am ade decisions and enacted policies based on what i felt was right for north carolina. i have acted on my gut instinct in starting lobbying reform when i saw things that did not seem right. i did know exactly what was going on but i always had he got an instinct to do what is right. i'm not beholden to anyone, certainly not in the small amounts, hustling from lobbyists -- that is a zone that i stand very clear wrong, that i cannot be bought and sold. >> but for the clarification. mr. cunningham, a separate question for you and we will allow or bottle. he received more than $80,000 from the democratic senatorial campaign committee. explain why your accepted these funds. >> i am very proud of the support that i have from that democratic senatorial campaign committee. they are committed as i am committed to replacing richard byrd in this campaign and beating him in this campaign. this campaign will g

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