. >> i'm part of the ffiec we're following as the comptroller indicated has laid on review.ave our own statutory provision that the rules promulgates. we've been actively looking at the mortgage rules to see if there are tweaks that we needed as we go and we've made a number of those to assist cliens. we had our own strep lining initiative which congress ultimately resolved. >> i don't think the statute applies to us, but i'm very committed to see constant contact with those who our rums impact. we don't gemly have as much impakts on community barngs. we're reviewing the rules as they come out the door. >> thank you. we've got the be real fast because i i've got to get one more question in here. >> certainly. we agree with the goal, senator and have to work with your under the influence on that. >> thaum 678 governor rjs in your testimony and the speech of the federal reserve bark i'd like you to exband on your thinking. i agree with you very strompkly and home we can make progress in this area. >> senator, we've had the benefit now of several years testing under dodd-frank

>> i'll simply say i'm part of the ffiec, and we're following as the comptroller indicated, as chairman body, his lead on reg review. we have our own statutory provision that requires a five-year look back on all the rules they promulgate. we have been actively engaged looking at the mortgage rules looking to see if there are tweaks that we need, and we had our streamlining initiative that led to the atm stickering issue. and we provided technical assistance on that, and relief on privacy notices which is coming very soon in final form. >> thank you. >> senator crapo, correct, i don't think the statute applies to us, but i'm very much committed to reviewing our rules in that fashion. we also have obviously in constant contact with those who our rules impact. our rules don't generally have as much impact on community banks. one of the other things i have tried to do since i became chairman is review our major rules, both jobs act and dodd-frank and others as they come out the door so we're making changes, making them more efficient, stronger as we go. >> thank you. mr. massad, could you