mr. wayne abernathy. the executive vice president for financial institution policy and regulatory affairs at the american bankers association. welcome. dr. calabria welcome again. he is the financial, the director of financial regulation studies at the cato institute and finally but not least mr. deepak gupta is the founding principle of gupta kessler in washington d.c.. welcome panel. each of you are going to be recognized for five minutes to give an oral presentation of your testimony. without objection the witness's testimony will be made part of the record following their oral remarks. once the witnesses have finished their testimony each member the subcommittee will have five minutes within which to ask the panel questions. as her mind of many of you know this but on the table you have three lights. one is green and that means go, yellow means you have a minute left and red means you're time is up. i would note if you get a question why your light is yellow i will give you the leniency to finisher qu

mr. wayne abernathy. the executive vice president for financial institution policy and regulatory affairs at the american bankers association. welcome. dr. calabria welcome again. he is the financial, the director of financial regulation studies at the cato institute and finally but not least mr. deepak gupta is the founding principle of gupta kessler in washington d.c.. welcome panel. each of you are going to be recognized for five minutes to give an oral presentation of your testimony. without objection the witness's testimony will be made part of the record following their oral remarks. once the witnesses have finished their testimony each member the subcommittee will have five minutes within which to ask the panel questions. as her mind of many of you know this but on the table you have three lights. one is green and that means go, yellow means you have a minute left and red means you're time is up. i would note if you get a question why your light is yellow i will give you the leniency to finisher qu