that today can't originate loans under their own name unless they have the full ability to issue jen ginny mae securities and other steps. we've heard concerns in the dakotas and other areas where we have smaller lend there's they want that ability. that's something we think makes perfect sense. and that would be included in the legislation as well. and so i think that's an important one. it's not directly connected to enforcement but it is something that i think you would be interested in and is an important piece. >> thank you. thank you, mr. chairman. >> we'll go to a brief second round. is there a time frame within which any changes would need to happen? are we losing the opportunity to improve the market if these changes are when are delayed? >> mr. chairman, this is such an important piece of this. and this is why i think you perhaps heard the president mention the importance of this issue as one of his top legislative priorities. he's going to be in nevada on friday and will talk specifically about the importance of expanding refinancing. there's a real urgency here because interest rat