capito: thank you. h.r. 1674 makes a small but significant fix to the national consumer cooperative bank act that will have the effect of expanding financial services options to lower income communities. the bill gave -- the bill would give n.c.b. capital impact the nonprofit subsidiary --, the nonprofit subsidiary of n.c.b., the opportunities to compete for grants for the community development institutions fund administered by the treasury department. today n.c.b. capital impact is not eligible for the cdfi grants, even though it provides housing, education, health care, cultural centers, small businesses and social services in distressed areas. the missions of the cdfi fund is to expand the capacity of financial institutions to provide credit, capital and financial services to underserved populations. so long as the activities of the n.c.b. capital impact meet the letter and the spirit of the cdfi's eligibility requirements, their organizational structure should not preclude them from receiving those

shelly capito in on the housing is our ranking member on housing. scott garrett who's our capital markets ranking member. jeb henserling who's financial institutions. ron paul worked on this plan. has endorsed it. he's not here. congressman miller supports the plan. so we have come in a united way. we have two other people who have worked on it also. we have tom price who is a senior member of our committee and mike castle. mike is not here. most of you know mike. he's very involved over the past few days in making some decisions. but they are very supportive. and then we have our vice chairman of the committee, randi nugenbauer. we've met with randy's office and he has scheduled all the meetings and we have had several meetings. we've ironed this thing out and we knew we needed to get it right. let me say this, financial services, regulatory reform and the structure of our regulatory system is of critical importance and we knew that we had to get it right. we're offering today our solutions to address the causes of the financial crisis that we've a

capito, for five minutes. mrs. capito: thank you. thank you, madam chairman. i'm here today to talk about the same issue that my colleague from florida just talked about and that's energy. and he alluded to the energy bill that's been moving through congress over the last several months, but he neglected to say that in that bill are some real costs for real people. and i think these are the important issues in front of our nation today. energy we found when the price of gasoline went up last summer over $4 a gallon. we were pressed, i think, appropriately to try to find an energy future, a plan for our energy future. and we never really answered that question. well, this morning in charleston, west virginia, where i'm from, the price of gasoline went up to $2.75 and has been going up almost daily. so we need a national energy plan that doesn't pick winners and losers, that takes into account real costs for real people. right now the bill that's gone -- that passed out of the energy and commerce committee is a national energy tax on every single american. it's

barton: i want to yield one minute to the distinguished lady from west virginia, congresswoman capito. the speaker pro tempore: the gentlewoman from west virginia is recognized for one minute. mrs. capito: at a time when families are already struggling to meet their basic things like things, the last thing we need is a new energy tax on consumers. this cap and tacts tax is a national energy tax that will burden consumers, burden businesses and particularly burden the lower income families in this country. particularly the lower income. it picks regional winners and losers with coal dependent states like mine, west virginia, bearing the brunt of this bill. under this bill, we'll actually be penalized for our lower cost power and have to pay more for using our greatest resource, coal. we should be going towards carbon sequestration where we can use our most abundant resource. we all want cleaner sources of fuel and more efficient energy. but this cap and trade bill is not the way forward. this bill is a jobs killer. this bill has real costs for real people. vote no on this bill. the spe