even barney frank disagrees with that evaluation. it is important to set the record straight weather still does and does not do and a court is reviewing this provision but the court has a record to go to on the floor of the and in the committee which corrects misstatements to refocus on what the actual intended outcome and how the bill was actually written. so with that, mr. president i will yield the floor but i will say that i had to submit a document for the record in the next session hopefully is a written document so that we can have an actual record that the courts and look to that document the intent and purpose of this legislation beyond hyperbole and everything that you have heard. i yield the floor. the floor five times to talk out the big lobby at? american familiesf in danger of getting punched in the gut with another financial crisis however old back consumer protection and how 25 of the 40 largest banks in this country with $15 billion during the crisis and nobody went to jail for tiny community banks i talked about

dodd-frank, said yesterday. he said nothing in this bill in any way weakens the prohibition about making shaky loans, loans to people with weak credit, and packaging them into securities. our bill restores the balance for small community banks in the mortgage business without opening up the door to excesses that led to the predatory lending standards which led to the financial crisis. to suggest otherwise is disingenuous and simply not true. and so we have to -- we have to push back against this idea that somehow we are rolling back the clock. in fact, in this same interview, congressman barney frank said about 95% of dodd-frank as it is written will remain intact after this bill passes. 95%. you would not believe that to listen to the dialogue and the diatribe that we've heard on the floor. so the third misstatement is that we will somehow scrap the rules for the largest wall street banks and allow regional banks with up to $250 billion in assets to follow the same rules and regulations as the tiny community ba

dodd-frank was needed to crack down on risky behavior and for the most part, dodd-frank has been successful. but like all major bills, dodd-frank had some unintended consequences. since its passage, small business lending has declined by 41%. that is why our bill is needed to bring more capital to main streets across america and to protect community banks from further consolidation. our bill provides small to mid sized banks and credit unions with more flexibility to meet the unique needs that communities serve. and it cuts the red tape to keep our local banks competitive and it includes critical consumer protection provisions to better protect our veterans, our seniors, and this bipartisan bill makes it easier for young families to purchase their first home. it helps family farmers and ranchers secure the capital that they need to survive a tough year when mother nature doesn't cooperate. it helps small businesses and startups secure the funding that they need to grow their businesses and create more jobs, and it protects the small banks that serve as a cornerstone of rural communities fro

our smaller institutions have struggled under the weight of dodd-frank. we didn't come tohis point today without a lot of discussion, without a lot of compromise, and without a lot of thoughtful input from a lot of different entities to figure out the best way to serve our small -- all of our states. these smaller institutions play a critical role in a state like west virginia. our small businesses rely on them to open and succeed, our communities rely on them to expand, and our economy relies on them to grow, especially in our rural areas. but our communities banks and credit unions have really had to shift their attention away from what they know best which is relationship-based lending and borrowing and put it more into the regulatory environment, devote more bank resources and time and energy and legal resources to make sure you are complying with regulations that are really intended for the larger financial institutions. so it's been tough. from 2010, which is the year dodd-frank was enacted until 2016, the number of community banks in our country re

president, the dodd-frank law became effective in 2010. it ostensibly targeted banks too big to fail but seven and a half years later dodd-frank has proved to be far too blunt an instrument. for one thing it's imposed a crushing regulatory burden on small community banks and credit unions. rather than fixing too big to fail, dodd-frank has threatened to make many of these main street, mainstays too small to succeed. this is especially problematic because of the central role that local financial institutions play in each of their communities. local lenders provide a majority of small business loans and nearly three-quarters of agricultural loans and in low-income communities, when a local bank closes, research suggests that loans to nearby small businesses plummet by 40%. farmers, ranchers, small business, vulnerable communities, americans need community banks and they need credit unions. but dodd-frank is making it harder for these institutions to survive. millions of americans from rural areas to inner cities now find themselves in what r

the trend was underway before dad frank. but died frank worsened it. one data point makes it clear, before dad frank came a lease to get over a hundred per year. it's a great thing when people do that because it introduces new competition and choices for consumers and access to capital. overall 100 per year routinely for decades. from the time died frank was passed a startup in america. we were completely destroyed and there's a price for that. there's a price to communities and higher costs for credit. there is less capital honest is not serve anyone well. i legislation is going to improve the overall regulatory environment. let me touch on a few features. is designed to the originator mortgage and keep that mortgage on their portfolio. when a financial institution originates the mortgage and sells it there is a sense that it doesn't care about the ability to repay. they're very extensive regulations that are onerous to make it more difficult for borrowers to meet the criteria that's acceptable. if the bank is keeping alone on its own books that shoul

frank is to have -- since dodd frank is to have the regulatory commission. it is not just one individual that has tremendous authority. that could be structured much better. there is no elimination of the cfpb in here. as a matter of fact, there are rules and regulations that the post theput in financial crisis that are actually hurting and harming consumers. lendingd about mortgage . many of our community bankers have gotten out of the mortgage lending is this. they do small items in some cases. rules and regulations coming out unqualified mortgage and ability to repay is really hurting the consumer. i think this bill does a little bit to refocus on helping the consumer. as i said at the beginning, we are not doing this bill or pushing this to reduce regulations on banks. that is nice and a great thing. but the macro point of this bill is to have greater economic growth, greater flow of credit, particularly in those communities. we serve 85% of all agriculture loans done by community banks. nearly 60% of all small business loans are done by community banks.

now, the trend toward consolidation in banking was underway before dodd-frank but dodd-frank dramatically worsened it. one data point i think makes it really clear, before the financial crisis, before dodd-frank came along we used to routinely launch on average over 100 banks per year across america. it's a very ordinary thing for a group of business folks that come together and decide they were going to launch a bank to serve their community. and it's a great thing when people do that because it introduces new competition, new choices for consumers, new access to capital. over 100 per year routinely for decades. from the time that dodd-frank was passed through this year, we've had five new banks start up in america. we've just completely destroyed the entire de novo banking industry. there's a price to that. there's a price to communities. there's a higher cost of credit. there's less available capital. and this doesn't serve anyone well. so our legislation, this bill that we're going to vote on later today is going to improve the overall regulatory environment. at the same time it's goi

in dodd-frank, dodd-frank in the statute of the legislation put in about five or six new data fields that would have to be collected. the cfpb took that and add about 20 more to it. what the legislation is doing is all the existing reporting on mortgages is there so that not going to be any new discrimination or anything. what it is addressing is new data that would have to be collected in addition to what dodd-frank put in and cfpb put on top of that. so it was overkill on new data reporting. and look, banks don't want to spend their entire day collecting and reporting data that then turns around and is used against them if they miss punctuation read something in accurate in their mortgage documentation and their attack for that. so we don't need all this new reporting data, and even with the new hmda exemption here, 97% of all mortgages would be covered by the hmda reporting. so we are not too concerned about that. what we really are concerned about is keeping community banks and small banks in the marketplace so you don't have the concentration in just a handful of banks doing mor

former banking committee chairman, barney frank, on whether dodd-frank needs reforms. this is a year ago. he said, quote, of course. on the $50 billion cinch fi threshold, he said i think it should be changed. he believed it was too low. again, from former congressman barney frank, former chairman of the banking committee. this is november of last year. if this bill became law tomorrow, well over 90% of the wall street reform bill would be unchanged. he goes on to say the consumer financial protection bureau, the strict regulation of derivative trading, the orderly liquidation authority, the risk retention requirements on securitizations and most other provisions would remain in full force. we're almost done here. i thank my colleague from vermont for his patience. former chairman barney frank on relief for community banks. this is in an interview on cnbc. with regard to banks under $10 billion, some of them are spending more money than they should complying with provisions that were never really intended to apply to them and i understand that. the volcker rule which s

they get dollars frank also takes care of those who aren't able to come today. sometimes i notice that a regular customer doesn't show up because they are sick and. they call and apologize and then i pack a bag for them and bring it over to them before i go home in the evening. in a country as wealthy as germany nobody should have to go hungry not as long as gayle gruel and dollars frank can help it. yemen is starving. pediatrician a shrug mohan helps wherever possible. but there's only so much. a chip needs are delayed. dedication alone isn't enough to leave the. global three through. next d.w. . the world club scene is getting old. and that's meant as a compliment. an exhibitionist celebrating clubs overnight and that many cleaning up coming up that night. fifty years of pop culture around the. euro and sixty minutes on d w. wouldn't it fighting for the case taking seriously in the world. here's what's coming up women's. superhero. smart smart state the legend frank recently dangerous time blood. climate change. pollution. isn't it time for good news eco afric

createdanced approaches by dodd-frank. if i'm not mistaken, advanced approaches were put in place by prior administrations. my question for you, chairman powell, is this, can you remind folks what safety and soundness and what itans means to you teary a chairman powell: broad authority except in areas addressed by congress. to do capital requirements of various kinds, looking after the safety and soundness of all depository institutions. >> thank you. i want to close by saying that i don't for a second think that dodd-frank is the reason we are seeing consolidation in banking. with a population shift it plays a big role in this committee. i can deal with dodd-frank. thank you, mr. chairman. you.ank mr. -- senator corker? senator corker: congratulations on your confirmation. accommodative the fiscal policy in place right now. out of curiosity, as people predict, i know that you all will raise rates for bank i'm's this year. -- four times this year. how much of that tax bill that was put in place is affecting to raise rates

in the wake of that crisis, this congress passed the dodd-frank act. it requires lenders to assess a consumer's ability to repay their mortgage loans. we also provided statutory penalties for mortgage lenders that did not follow these new underwriting standards. congress also directed the consumer bureau to enact regulations to create a safe harbor for creditors where it would be presumed that the creditor evaluated the borrower's ability to repay. in 2013, under the direction of former director, the bureau released its ability to repay qualified mortgage rule. this rule defined how lenders could take advantage of that safe harbor. qualified mortgages commonly referred to as q.m. loans, are a special category of loans that underwriting standards and certain nonpredatory loan features that help make them more likely that borrowers will be able to afford their underwriting standards and certain mortgages. so if a lender originates a q.m. loan, it means that the lender met certain requirements. it is assumed that the lender ollowed the ability to repay ru

the dodd-frank requirements. suddenly a guy in oklahoma buying 200 acres had to find a way to scrape together $100,000 of cash to buy a ranch. now, five years ago, ten years ago, 15 years ago, if you wanted to be able to get that same ranch, you would go to the bank in down. now the bank in town has to tell you, you have to go somewhere else or find some other way to do it because the restrictions are are so high -- restrictions are so high we can't do it anymore. local customers don't want to deal with someone else in another state in another city. they'd like to deal with their local bank, but they can't anymore. oklahoma's community banks are nothing to do with the financial collapse in 2008. yet, they've been penalized all the way through this process. in total dodd-frank required ten federal agencies to write more than 400 new rules imposing 27,000 new mandates on financial institutions of every size. just process that. when you're farmer state bank of allen and have 12 employees, you have to track 27,000 ma

they have done quite fine under dodd-frank. the ranking member likes to elude to their profitability. listen, i hope every business in america can find some way to be profitable, but that's not the question. the real question is the profitability of our constituents. half of whom are living paycheck to paycheck. and it's those constituents that we care about when we lose an opportunity for them to capitalize their american dream . when i hear from colton in terrell, texas, in the fifth district that i proudly represent who says, you know what, me and my wife have been unable to get a mortgage due to credit. we're 25 to 30 years old. we have good credit but we're getting denied. that is everything -- that has everything to due with the regulatory burden, mr. speaker. i heard from sarah in my district. she said, i'd like to refinance with cashout option to fix storm damage to my property and home but i found out it's not an option for me because the government doesn't believe i should be able to do this. heard from alan in kauffm

film and this is frank said what a match. possibly the best of the match day it was the battle for third place who would have expected that at the start of the season frankfurt in third place level with dortmund that's most likely the biggest surprise of the season so far and it's in large part down to this man nico kovacs in his two years in frankfurt he's built up a solid team and things of. anybody can make it to the top now and then but we want to stay out there what's in the past is behind us what happens now is what matters . he's a man with principles he's ambitious i'm proud of what he's accomplished. i never give up until the very end no matter what that's just who i am this is this is mine to do with this serves as a mantra for his team never give up that's just what he demands of his squad and that's what's making them a dangerous opponent at the moment. he's instilled a relentless aggression in the team. shelved we're not a team that sits back and wait for a chance to score a goal to come to us we make our choices

dodd-frank was meant to stop too big to fail.ble banks should be allowed to survive through the ashes if we go there again and if the big banks crumble, they will crumble. generational differences have long been a factor in politics. but a shift in values of american youth and social activism in our high schools could change things for decades to come. i'm just worried about the house and taking care of the boys. zach! talk to me. it's for the house. i got a job. it's okay. dad took care of us. charles: the generation gap on politics has been around for a long time. but it continues to widen the divide. millenials remain the most of liberal of all generations. and there has been a surge in socialist beliefs. national diversity coalition tore trump advisor. mamadison these are the kids you are suppose to be recruiting. but it feels like it's you drifting father and farther left. >> the fake news and the inadequate teaching of civics and history in high school and colleges. on top of that we are seeing a lack of political interest

this is frank. sup! this is frank's favorite record. this is frank's dog. and this is frank's record shop. frank knowns northern soul, but how to set up a limited liability company... what's that mean? not so much. so he turned to his friends at legalzoom. yup! they hooked me up. we helped with his llc, contracts, and some other stuff that's part of running a business. so frank can focus on the beat. you hear that? this is frank's record shop. and this is where life meets legal. retail. under pressure like never before. and it's connected technology that's moving companies forward fast. e-commerce. real time inventory. virtual changing rooms. that's why retailers rely on comcast business to deliver consistent network speed across multiple locations. every corporate office, warehouse and store near or far covered. leaving every competitor, threat and challenge outmaneuvered. comcast business outmaneuver. oh hi sweetie, i just want to show you something. xfinity mobile: find my phone. [ phone rings ] look at you. this tech stuff is easy. [ whirring sound ] yo

senators had and still have a wide diversity of views on dodd-frank. but there's a widening agreement that we should not continue allowing this unintended consequence to wreak havoc on community banks and small u cret unions. i hope soon we can turn that consensus into law. >> try to i rise today to discuss as 2155, the economic growth regulatory relief and consumer protection act and to urge my colleagues to support its passage. in just age few miserable vote n the first vote to vote on cloture to bring this bill to the floor, cloture on the motion to proceed. a very critical vote and again i encourage all of my colleagues to support bringing this bill forward to the floor for full debate and vote. first, let me thank each of the cosponsors of this bill including the many members of the banking committee for the interest and involvement in the many discussions, hearings and personal negotiations and conversations we've had to get to this point. originally introduced by ten republicans and ten democrats, this package of common sense reforms now has 26

we're not trying to blow up dodd-frank. many of us have taken a big step back in terms of what we think we need to do in terms of growing the economy in order to accommodate this bill. many people on the other side of the aisle, i think there are some 14 is cosponsors on the other side of the aisle -- and i applaud them for the courage that it's taken to work with us to get to a bill that we both give and take on. look, the number-one criticism we get in the senate back home is that why can't you guys work together to get anything done? here's a shining example if we can get it across the finish line and get a vote on this we may have a tremendous example that will have a dramatic impact on main street back home. small banks tend to spend too much time and resources dealing with the regulations and compliance costs that dodd-frank has created. put simply, dodd-frank is another one-size-fits-all washington bureaucratic policy that hurts the very people it claims to champion, the middle class and working poor, and those commu

jeremy and frank are still on board. frank, let me start with you. with your analysis in terms of the significance in the investigation of this revelation, in this reporting. >> look, this is significant because now if this is all accurate and it certainly appears to be because it's in sentencing documents, we've got a situation where a known or suspected or people -- somebody people believed to be a known or suspected russian intelligence officer, specifically a military russian intelligence officer, was associated with manafort and ran manafort's kiev office for ten years and was known by them to be affiliated with russian intelligence service. in fact, he said that gates told him this guy is russian g.r.u. that is something we're seeing van der slice lied about to mueller in communications. it's somebody that told van der slice to yuzuse encrypted communications. we have mueller saying these lies are pertinent to my investigation, investigation of what? russia and its involvement in the campaign and collusion. this is a big deal. >> sometimes i fe

but not delivered by dodd-frank. and so i'm very, very happy that today we have yet another bipartisan bill from the financial services committee that is aiming to promote economic growth to help our hardworking americans again achieve their american dream because half, half of this country is living from paycheck to paycheck. and we need to ease that economic anxiety so we've got to make sure that the life blood of credit that capital is flowing through the system. it's our community banks in particular that fund our small businesses. unfortunately, up until the advent of the new administration, mr. speaker, small business lending by banks was at a 25-year low. entrepreneurship was at a generational he. now thanks to the tax cut and jobs act, we've turned that corner but we have so much further to go. so a particularly hardworking member of the house financial services committee, the gentleman from colorado, mr. tipton, has come to us today with h.r. 1116, taking account of institutions with low operation risk act.

cosponsored by equal number of republicans and democrats senators have a wide diversity of views on dodd frank. there's a widening agreement that we shouldn't continue to allow this to wreak havoc on community banks and small credit unions. i hope we can soon turn that consensus into law. >> i rise to discuss s2155. the economic growth regulatory relief and consumer protection act and to urge my colleagues to support its passage. in a few minutes will vote to bring this to the floor. critical vote. i encourage all of my colleagues to support bringing this to the floor for full debate and vote. let me think each of the cosponsors including members of the banking community for the interest and involvements in the discussions, hearings and negotiations we've had to get to this point. originally introduced by ten republicans and democrats this package now has 26 senate cosponsors including 16 members of the banking community. banks and credit unions across the country have struggled to keep up with regulatory compliance and demands coming out of washington. local economies this puts a strain on sm

this is frank. sup! this is frank's favorite record. this is frank's dog.soul, but how to set up a limited liability company... what's that mean? not so much. so he turned to his friends at legalzoom. yup! they hooked me up. we helped with his llc, contracts, and some other stuff that's part of running a business. so frank can focus on the beat. you hear that? this is frank's record shop. and this is where life meets legal. at the marine mammal center, the environment is everything. we want to do our very best for each and every animal, and we want to operate a sustainable facility. and pg&e has been a partner helping us to achieve that. we've helped the marine mammal center go solar, install electric vehicle charging stations, and become more energy efficient. pg&e has allowed us to be the most sustainable organization we can be. any time you help a customer, it's a really good feeling. it's especially so when it's a customer that's doing such good and important work for the environment. together, we're building a better california. ♪ >>> in a place with f

the senate is considering rolling parts of dodd-frank back this week. adam shapiro live in the washington bureau with more. reporter: we're talking about the economic growth regulatory relief and consumer protection act. mike crapo's bill would loosen lending requirements of mortgages from banks with less than $10 billion in assets but raise a threshold of tighter oversight of banks from $50 billion to 250 billion in assets. who is for all of this? a lot of democrats actually. democrats who are trying to win re-election or come from trump states, state has voted for president trump. people like joe manchin, claire mccaskill, jon tester, doug jones in alabama, that's a trump state. you have also got democrats in favor of the original dodd-frank bill. that is mark warner, tim kaine, tom carper. so different democrats in favor of this. but will it pass? here is what white crapo said

we have statutes which the fed chair has to follow, that's the dodd frank act.ts from the chair, which delineate his priorities in the regulatory space. we have a pretty good idea of where the fed is heading, in that direction. nejra: what are some of his priorities? ben: he has laid out four top priorities in terms of rolling back or recalibrating dodd frank regulations. among those are changing the way the leverage ratio is calculated by exempting some categories of assets from the denominator, which would allow some companies to engage in less risky wholesale activities like custody activities or clearing. the fed wants to bring greater transparency to its stress testing process. there is a role making in progress to give them more information about the models they use to test banks every year. those models end up deciding how much capital banks can return to their shareholders in the forms of buybacks and dividends. another priority is to reduce the burden around resolution planning. finally, they want to change the definitions in the volcker rule to allow b

we have statutes which the fed chair has to follow, that's the dodd frank act.ublic comments from the chair, which delineate his priorities. we have a pretty good idea of where the fed is heading, in that direction. nejra: what are some of his priorities? ben: he has laid out four top priorities as far as rolling back dodd frank regulations. among those are changing the way the leverage ratio is calculated by exempting some categories of assets from the denominator, which would allow some companies to engage in less risky wholesale activity like custody activities or clearing. the fed wants to bring greater transparency to its stress testing process. there is a rule in progress to give them more information about the models they use to test banks every year. those models decide how much capital banks can return to their shareholders in the forms of buybacks and dividends. another priority is to reduce the burden around resolution planning. they want to change the volcker rule to allow banks to more effectively use securities. nejra: do the policies actually refl

you know it as dodd frank. the law passed in the wake of the crisis that mandated banks with at least $50 billion of assets to be subject to very strict oversight from the federal reserve. the new senate bill slides that threshold to ultimately include only banks with at least $250 billion of assets. now, it wasn't just republicans. 16 democrats voted on this bill with republicans. and now it's headed to the house. republicans have been hoping to make even more drastic changes. >> so barney frank, part of dodd/frank, had said maybe the $50 billion was too low, it was hampering some smaller banks. he had thought maybe $100 billion was a good threshold. he feels that $250 billion is too high. his thinking is what happens if three or four banks with assets of $250 billion were ultimately going to fail? would that actually create the systemic problem that the failure of a big bank would? the problem with what happened ten years ago is big banks failed and they took the economy down with them. elizabeth warren is no

frank in tulsa. sorry about that, frank. you are now on the line. >> tulsa, go ahead. >> thank you. i'm a disabled vet, and i am a combat veteran, and what i've observe side that after i got home from vietnam they made it illegal to kill unborn babies and they'd already kicked god out of school, no praying, i don't know if they still say the pledge of allegiance or not, but they're teaching these kids they came from monkeys and whatever they want to do socially, sexually and everything else is just fine. they let them play these games that are used to train combat people nowadays and they start killing each other and everything so we want to make laws. the basics are their beautiful little brains when they first start school, that's when they ought to be introduced to god and love for their fellow man. >> all right, frank. congressman gates. i think it's absolutely right that any politician or any lawmaker that says that by the fiat of one law we can solve all of the societal problems that lead to violence. i think that represents a lack of humility into what our capabilities are in

this is frank. sup! this is frank's favorite record. this is frank's dog.nd this is frank's record shop. frank knowns northern soul, but how to set up a limited liability company... what's that mean? not so much. so he turned to his friends at legalzoom. yup! they hooked me up. we helped with his llc, contracts, and some other stuff that's part of running a business. so frank can focus on the beat. you hear that? this is frank's record shop. and this is where life meets legal. looking for a hotel that fits... whoooo. ...your budget? tripadvisor now searches over... ...200 sites to find you the... ...hotel you want at the lowest price. grazi, gino! find a price that fits. tripadvisor. when heartburn hits fight back fast with tums chewy bites. fast relief in every bite. crunchy outside. chewy inside. tum tum tum tum tums chewy bites. we're all under one roof now. congratulations. thank you. how many kids? my two. his three. along with two dogs and jake, our new parrot. that is quite the family. quite a lot of colleges to pay for though. a lot of colleges. you

that's frank mallicoat live right now in san jose on interstate 880. thank you, frank.you're just about to break out of that slow traffic. be patient there, buddy. thank you, frank. >> reporter: thank you. . >>> 8:37. lots of rain here. just to the south it is the same story. thousands in ventura and santa barbara counties have been forced from their homes because their homes are at risk of mudslides. many canyon communities are now under amanda terry -- mandatory evacuations. if mud starts to fill up the water ways, there coulding serious problem -- there could be serious problems. >>> the home first shelter in sunnyvale usually fills the 140 available beds overnight. usually they have to shut down by april 15th. but the santa clara board of supervisors voted to extend the shelter to year-round status. if it is successful, the change could be permanent. shelter workers say it could provide certainty that gives families a stepping stone towards a permanent home. >> we're seeing there is an increase in homelessness in general. it is also affecting families with young chi

how dodd frank was a -- how dodd-frank was a remedy to that. a compromise in open hearings was a remedy to that. and now how republicans want to take us right back to where we were in 2008. so i think that good intentions of one bill or another narrow correction, which i may or may not agree with, but nonetheless narrow that want to be exploded by the big banks is so wrong. the more the public knows about it, the better. by the way, very consistent with this whole idea of, we're here for 1%, for corporate america, for wall street, we're not here for the american people. this is an important debate for us to have. do you verything we do, have a way to make this better? to address some of the concerns that have been expressed? we're always open to that. but to do so in a way that completely unravels dodd-frank is completely wrong. using the excuse that -- i won't go into the details. reporter: what do you think about the changes in the asset threshold? ms. pelosi: i think it's dangerously high. let's have that discussion. that's only one part of

this is frank's favorite record. this is frank's dog. and this is frank's record shop.iability company... what's that mean? not so much. so he turned to his friends at legalzoom. yup! they hooked me up. we helped with his llc, contracts, and some other stuff that's part of running a business. so frank can focus on the beat. you hear that? this is frank's record shop. and this is where life meets legal. retail. under pressure like never before. and it's connected technology that's moving companies forward fast. e-commerce. real time inventory. virtual changing rooms. that's why retailers rely on comcast business to deliver consistent network speed across multiple locations. every corporate office, warehouse and store near or far covered. leaving every competitor, threat and challenge outmaneuvered. comcast business outmaneuver. lou: growing fury or facebook's treatment of their users and their data. fox news national correspondent william lajeunesse with our report. >> we have a basic responsibility to protect people's data. reporter: that statement by mark zuckerberg ca

this is frank. sup! this is frank's favorite record. this is frank's dog.d this is frank's record shop. frank knowns northern soul, but how to set up a limited liability company... what's that mean? not so much. so he turned to his friends at legalzoom. yup! they hooked me up. we helped with his llc, contracts, and some other stuff that's part of running a business. so frank can focus on the beat. you hear that? this is frank's record shop. and this is where life meets legal. there are seven continents, seven seas but at celebrity cruises we'd argue more than seven wonders. for a limited time enjoy two free perks like complimentary wi-fi and drinks. plus savings for everyone in your stateroom when you book now during the celebrity cruises sail beyond event. with pg&e in the sierras. and i'm an arborist since the onset of the drought, more than 129 million trees have died in california. pg&e prunes and removes over a million trees every year to ensure that hazardous trees can't impact power lines. and since the onset of the drought we've doubled our efforts.

they get dollars frank also takes care of those who aren't able to come today. sometimes i notice that a regular customer doesn't show up because they say. they call and apologize and then i pack a bag for them and i bring it over to them before i get home in the evening. in a country as wealthy as germany nobody should have to go hungry not as long as gail gruel and always frank can help it. earth a home for saving google images tell stories of creative people and innovative projects around the world ideas that protect the climate and boost green energy solutions to inspire people to take action global ideas on d w.

an own goal by marco reus but frank fell behind. but exactly these kinds of setbacks and what boost frankfurt to pick themselves back up. i fallen down many times in my life every time i pick myself up again and that's what has made me i never give up no matter what. frank says he's well trained in picking themselves back up and that's how they managed to get their combat against two men's u.k. usage proceeded by covert action half time equalized with fifteen minutes to go and the match was back up for grabs frankfurt has the second best defense in the league among wins on its record than dope and thanks in large part to kevin principal at tang he's got plenty of finesse to offer. but frankfurt's new found glory was cus abruptly sure it's two minutes after he stepped on the fields me she but she why don't men back in the leaves she won the fight first turned out to be a test of character could the french boys pick themselves up once more for yet another comeback. of the. yes they killed danny bloom who coach also substituted in tied

this is frank. sup! this is frank's favorite record. this is frank's dog.ecord shop. frank knowns northern soul, but how to set up a limited liability company... what's that mean? not so much. so he turned to his friends at legalzoom. yup! they hooked me up. we helped with his llc, contracts, and some other stuff that's part of running a business. so frank can focus on the beat. you hear that? this is frank's record shop. and this is where life meets legal. more dependable...le have discovered something stronger... longer lasting. in a chevy truck. and now, you can too. see why chevrolet is the most awarded and fastest growing brand the last four years overall. current competitive owners can get a total value of over eleven thousand dollars on this silverado all star when you finance with gm financial. find new roads at your local chevy dealer. sometimes, they just drop in. obvious. cme group can help you navigate risks and capture opportunities. we enable you to reach global markets and drive forward with broader possibilities. cme group - how the world ad

frank parker andnd charles hayns creative friendship.they say goodbye in may of 1945 in the austrian alps. they stay in touch a little bit when they get back in the state but never laid eyes on each other. until approximately 1991. it was celebrating the 50th 50th anniversary of that rose t bowl game, and the folks at oregon state wanted to recognize their only rose bowl champion. so they hosted a banquet for whoever was still remaining and able to attend. he also invited any of their opponents who had played against them at duke. and there were just a handful of duke players that came. one of them was charles haynes. and charles haynes said, i know we at duke a good host our own reunion in a month, but i can't wait to see the man who saved my life. i need to seeee if you still alive. and charles haynese. traveled fm durham out to oregon, and as i write about in the introduction of the book,k, sure enough, he starts weeping as you looks across the room and sees the man who saved his life. four weeks later,hehe frank parr and his wife tra

this is frank. sup! this is frank's favorite record. this is frank's dog. and this is frank's record shop. frank knowns northern soul, but how to set up a limited liability company... what's that mean? not so much. so he turned to his friends at legalzoom. yup! they hooked me up. we helped with his llc, contracts, and some other stuff that's part of running a business. so frank can focus on the beat. you hear that? this is frank's record shop. and this is where life meets legal. janice, mom told me you bought a house. okay. [ buttons clicking ] [ camera shutter clicks ] so, now that you have a house, you can use homequote explorer. quiet. i'm blasting my quads. janice, look. i'm in a meeting. -janice, look. -[ chuckles ] -look, look. -i'm looking. it's easy. you just answer some simple questions online, and you get coverage options to choose from. you're ruining my workout. cycling is my passion. you're ruining my workout. booking a flight doesn't have to be expensive. just go to priceline. it's the best place to book a flight a few days before my trip and

this is frank. sup! this is frank's favorite record. this is frank's dog.k knowns northern soul, but how to set up a limited liability company... what's that mean? not so much. so he turned to his friends at legalzoom. yup! they hooked me up. we helped with his llc, contracts, and some other stuff that's part of running a business. so frank can focus on the beat. you hear that? this is frank's record shop. and this is where life meets legal. cheryl: welcome back. college basketball one rascal has gotten to the ncaa brackets last night. lauren: turn back the clock night at madison square garden. jared max with those words we need to know. >> good morning. continuing to win their conference tournaments get automatic. the site of the patriot league final. but now took aim, mated to a college basketball. the ncaa tournament 83 points 54. for pete's sake, this isn't rembrandt. it's a college basketball game. remember these guys? 32 years to the date by the georgetown hoyas to a big east tournament and st. john's. remember these two guys? they were back on the co

this is frank. sup! this is frank's favorite record. this is frank's dog.is frank's record shop. frank knowns northern soul, but how to set up a limited liability company... what's that mean? not so much. so he turned to his friends at legalzoom. yup! they hooked me up. we helped with his llc, contracts, and some other stuff that's part of running a business. so frank can focus on the beat. you hear that? this is frank's record shop. and this is where life meets legal. racing isn't the only and with godaddy, i'm making my ideas real. with godaddy you can get a website to sell online. and it will look good. i made my own way. now it's time to make yours. ♪ everything is working just like it should ♪ charles: facebook is adjusting its privacy settings to allow users to have more control. charles: the market was all over the place. the dow jones relinquishing a 200-plus gain. we were reminded the strength of the u.s. economy which powered that fourth quarter gdp, it's the individual consumer holding things together. that said, the savings rate slipped. this is

he was fringes with frank lloyd wright, and when he walked through t door, he said i feel like frank is here. >> in, fact joe only strayed from wright's plan in one major e y. >> whenre building the house, i want i said one more inch of concrete, and 14e7d wide? i said, i want angel copper pad. >> ironicallies it was on a chopper ride when he learned another secret. it's a perfect heartsh ape. >> but now he's ready to give his heart amp to someone else. he's selling the island for about $15 million. >> i'm in no rush, but want to make sure the person i buys it takes care of the master masterpiece. >> who would that be? >> s cebody aszy as me. for "nightly business report," i'm robert frank. >>> a modest cabin on an aisle somewhere. before we go, another look at th volatile date on wall street. the dow was0p points, but fell by the close down to 24,682. the nasdaq was down about 19. the s&p lost about five >>> that's does it for us tonight. i'm sue herera. thanks for joining us. >> i'm bill griffeth. have a gat evening, everybody. we will see you tomorrow. >> this is "bbc world news a

frank that one for all and all for one. here they know that unity breach success but do they understand that two hundred kilometers away in joint names. on the paper everything in dortmund looks peachy their third in the bundesliga which is good for automatic qualification in the champions league and they haven't lost in their last eleven matches so do you think they'd be just a bit more confident and kind of i can't guarantee he will get three points every wake or the world play well every waking. don't have the swagger of a top team which means that superstars like undulation roland martin your guts aren't quite so super at the moment. but two players are bringing back memories of dortmund's glory days make sure batu are on loan since january from chelsea. and marco voice the two have combined for an eight of dortmund's last eleven league goals. force missed out through injury against hanover. but they didn't seem to miss him much early on. that's why hitting the post just a minute and. darkman was combining well and crea

this is frank. sup! this is frank's favorite record. this is frank's dog.rank's record shop. frank knowns northern soul, but how to set up a limited liability company... what's that mean? not so much. so he turned to his friends at legalzoom. yup! they hooked me up. we helped with his llc, contracts, and some other stuff that's part of running a business. so frank can focus on the beat. you hear that? this is frank's record shop. and this is where life meets legal. where we're changing withs? contemporary make-overs. then, use the ultimate power handshake, the upper hander with a double palm grab. who has the upper hand now? start winning today. book now at lq.com. lauren: welcome back, major league baseball season starts with the bang. cheryl: yeah, opening day was yesterday, jared max to tell us all about it. jared: very first pitch of the baseball season was hit for a home run yesterday, that by ian against miami marlins, first time since 1986 that that happened, john carlo stanton. he would do it once again, outcl fielder, doesn't turn around. 6-1 yanke

this is frank. sup! this is frank's favorite record. this is frank's dog. and this is frank's record shop. frank knowns northern soul, but how to set up a limited liability company... what's that mean? not so much. so he turned to his friends at legalzoom. yup! they hooked me up. we helped with his llc, contracts, and some other stuff that's part of running a business. so frank can focus on the beat. you hear that? this is frank's record shop. and this is where life meets legal. charles: newly released data shows the u.s. economy continues to soar despite all the turmoil in the white house and worry about trade wars. it rose to a 14-year high as folks are thrilled about current conditions. and that isn't even half of it. i want to dive into this. john burnett, one empire group for under and ceo. melissa, this number was phenomenal. then 3.6 million job openings. 250,000 in construction. something is going on in this country and this economy that is remarkable. people i hope aren't listening to the mainstream media. >> hopefully they are watching fox. the ma

dodd-frank also dealt with mid-sized and regional banks and our bill does too. dodd-frank swept many simple mid-sized and regional banks into the enhanced prudential standards, but it was meant for the largest and most complex institutions. each new regulation poses a tradeoff between hiring new employees to help comply with those standards versus employees to provide customers the products and services they want and need. darren smithy treasurer for regions bank based in alabama described the implications of this on his institution saying, we now have more people in our organization devoted to compliance related matters than we do for commercial lending. and the direct cost as well as management's time and attention to meeting these rules creates a disproportionate burden on regional banks. collectively the incremental cost of regulatory compliance exceeds $2 billion annually. and the $2 billion in costs that mr. smithy mentioned were just the direct costs. indirect costs included management and other business unit's time from being diverted from fully serving

this is frank. sup! this is frank's favorite record. this is frank's dog. record shop. frank knowns northern soul, but how to set up a limited liability company... what's that mean? not so much. so he turned to his friends at legalzoom. yup! they hooked me up. we helped with his llc, contracts, and some other stuff that's part of running a business. so frank can focus on the beat. you hear that? this is frank's record shop. and this is where life meets legal. >> welcome back. time for the fastest seven minutes on television. three stories first up. if you don't believe in ufos maybe you will now. pilot of two commercial planes reported citing last month. we got a hold of a newly released audio. >> it's above us like 30 seconds ago. >> negative. >> yes. >> ufo. >> greg, you are a believer of this. you know what ufo stands for, unidentified flying object. that can be a bird. in 1970s everybody was seeing ufos all the time. there's less evidence and the reason is the drugs were better in the 1970s. alien life is gone. alien life began before us. they've gone t