mr. mchenry: thank you, mr. speaker. i want to thank my colleague, mr. huizenga, for his hard work on this piece of legislation. well crafted and a very important reform, the american people need to understand and appreciate. what the american people understand is that washington regulation is preventing them americans, from realizing the dream of home ownership. these arbitrary washington-created barriers are keeping young people, recently married couples, low and middle income americans from accessing mortgages they they -- they need to own a home. that's wrong. right now consumers are bearing the brunt of regulatory overreach under dodd-frank. according to the most recent housing data, the u.s. home openership rate is now the lowest it has been in 20 years. young homeowners are being hit particularly hard. for example in my district the number of young homeowners fell to a level not seen since the year 2000. that's unacceptable. combined, these figures with recent reports indicating serious distress in the credit markets and it becomes clear that youn