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. >> so if i'm a financial institution, if i'm the first state bank of mineola, texas, and i want toel roll out a product, in order to avoid litigation or enforcement action, am i going to foresee the day where i have to impose financial literacy tests on each and every one of my customers to avoid an enforcement action from your agency? >> no, i think it merely reflects the careful practices businesses engage in all of the time. and to go back to the rank's member's comments, if you're offering a refinancing to an elderly customer you know full well may be having difficulty -- >> you did say down to the individual consumer, correct? >> so, again, i think good businesses and good banks are mindful of this. they would not approach certain customers with certain products that they would approach other customers -- >> my time is almost up. one other quick question. you have earlier said at one point fraud is fraud. but you've also been on the record to say, quote, frankly, there is a lot of fraud that's committed in the marketplace that is not on its face necessarily technical illegal. so

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