this is an ecola case. it's very different. very specific requirements we've got there. aid out housing, fair housing. i think you're extrapolating something we can't find -- mr. cordray: they have been applied hand in blove for decades and they work together. mr. hultgren: the sense you have is you're pulling this out of nothing because there's an agenda. mr. cordray: again, we wouldn't be -- mr. hultgren: i want to ask you specifically about some concerns, privacy concerns, my colleague from georgia, mr. west moreland raised some issues of the amount of data that you already have specific data on individuals and all of us have concerns, federal government, i think, showing incredible weakness of being able to protect privacy of our citizens, i hear it all the time from them. the recently finalized rule is especially concerning to me because it looks like it's not enough. all the information that mr. west moreland had listed off, item after item after item and cfpb is oks like looking for more private information that i question if it's safe. section 924 of the dodd-fra