>> i agree with you that gramm leach offers a potential model here. mr. johnson, i gather you feel that production language that you -- used, that banks provide an effective basis for information gathering support. i think that may provide common ground. i invite the witnesses, i know mr. duncan, you may have been able to provide a full answer. i invite you to supplement your answer in writing, if you wish. i'd value your further comment. thank you mr. chairman. >> senator blumenthal, i would emphasize that gramm leach essentially guides us. it says you should, you ought to, something like that. that differs quite a bit from state laws that have a mandate and requirement. we would favor a mandate and requirement rather than something is merely pregnant or agmatic. >> senator klobuchar has exceeded her time. [laughter] integrate tradition ofintegrate tradition of in the great tradition of senators, that is what we do. i would like to establish a matrix of what i go into a reasonable standard. is there anyone on the panel that is concerned about congress pu

quinn that it would be helpful to further clarified the gramm-leach-bliley act to make it clear that it's not a violation to make these reports to federal agencies or law enforcement. the guidance that the federal regulators put out was helpful but i do think that further clarification may provide additional comfort to financial institutions. >> thank you very much. mr. marshall how difficult was it for you to figure out what was happening to your mother particularly since she and her very last years was suffering from dementia? >> at first quite frankly my stepfather had passed away in 2002 and i was working toward settling his estate. he had total recall on a good day but played too much mr. lawyer. i learned enough to then look south from vermont and in that case to new york and i realized instead of my grandmother being cared for she was being compromised. i didn't know what to do. luckily there were some caretakers and staff and we had mutual trust. i could find out but having those first lines of defense and those who were interested in my grandmother's health. what happens is

quinn that it would be helpful to further clarified the gramm-leach-bliley act to make it clear thatot a violation to make these reports to federal agencies or law enforcement. the guidance that the federal regulators put out was helpful but i do think that further clarification may provide additional comfort to financial institutions. >> thank you very much. mr. marshall how difficult was it for you to figure out what was happening to your mother particularly since she and her very last years was suffering from dementia? >> at first quite frankly my stepfather had passed away in 2002 and i was working toward settling his estate. he had total recall on a good day but played too much mr. lawyer. i learned enough to then look south from vermont and in that case to new york and i realized instead of my grandmother being cared for she was being compromised. i didn't know what to do. luckily there were some caretakers and staff and we had mutual trust. i could find out but having those first lines of defense and those who were interested in my grandmother's health. what happens is the gre