mr. montoya, as you know, mr. montoya, this is a difficult time for too many americans in need for affordable housing. what steps will you take to ensure that your office examines and works with hud to improve the administration, their programs that millions of americans count on? >> thank you. clearly, through our audit, evaluations, and review process, and working with the department program managers as well as our state and local partners to figure out exactly what it is working well with in these programs and what is not. clearly, those have to take a priority. much like senator shelby to mention, the arrests in the last couple of years have been high. that tells me there is a problem. something is broken if that many arrests can happen. clearly, an oversight role, making recommendations to this committee on concerns that we have in areas of weakness we up.k wecan be tightened >> mr. amir-mokri, if confirmed, what role do you think the office of financial institutions can play to aid in the nation's economic re