doing a't mean they are fair lending exam at the same time as a cra exam. -- here are exam,part of their cra are their data points they look at to ensure there is no discrimination? >> let me be clear. prior to a cra exam starting, we do a review to determine the accuracy of the data. if there are items that are discovered that would lead our that there is fair lending questions, then we are required by statute to do within 12 months a fair lending examination. we are also frequently doing fair lending examination independent of cra. this, i know the occ supervises about thousand banks correct? of those made fewer than 500 mortgage loans or home equity loans? what less than 5%. >> less than 5% of the volume. congress passed a law that made fewer than 500 mortgage .oans dataan you ensure that the >> without that data you are not determining that there is the presence of discrimination or not if you don't have all of the information? >> as a point of clarification those banks that will be excluded still have a home don't like that they have to file. >> i recognize that. that's why i oppose

. >> not with cra, that is fair lending. there are very exams done. >> and ensuring there's no discrimination your ensuring the banks are compliant with the pair housing act? >> and are they complying with equal opportunity act? >> they are actively looking at that? going back to the siri enforcement, it's my understanding you've instructed them to consider how they consider bank exams, is that true? >> not to my knowledge. >> i believe we are sending out a bulletin today. there are bulletins we send out where we update procedures. >> we frequently will provide q&a are bulletins as updates. we were hoping we would get it out. >> updates and how the bank examiners and the criteria they will be looking at when they're engaging? >> no for banks over 1 billion there is a point system that is lending investment. >> i only have so much time. my understanding is that the bank examiners are considered the cra when they're engaged in these bank exams. >> we do specific series. >> are they looking that there's no discriminatory so we try to ensure the tha