mr. trott: i rise to speak about the need for a stronger cybersecurity efforts in our country. personal data flows through the internet with great speed and data about people is gathered in an instant. the use of social media has opened up our lives and this is the same world where hackers steal millions of personal records from people in our distributes. most members of congress have been affected by hackers. internet criminals pose a dire threat to our government on the local state and federal level. the federal government has the resources but our local municipalities do not. five southeast michigan counties, living ton monroe oakland, washington, wayne in the state of michigan came together to build the cybersecurity assessment for everyone. it provides a strong point for governments to begin assessing their cybersecurity needs and taking steps to respond. the assessment is an excel download. i commend these local michigan governments for committing the resources to develop such a tool and encourage my colleagues to work together to find the right solutions to fight cybercr

mr. trott: thank you mr. speaker. i also want to thank the gentleman from michigan for the opportunity to co-sponsor and to speak in favor of h.r. 685. there is no question that dodd-frank is making the dream of home ownership more difficult for many americans. there are a myriad of unintended consequences that were created by this regulation and the problems are largely the result of an overreach by the federal government and poorly thought-out rules, rules which in many cases were written by people that may or may not know the difference between mortgagee and mortar. the mortgage choice act addresses a problem created by the qualified mortgage rule. the qualified mortgage rule treats the cost of title insurance differently depending on whether the title insurance agency is affiliated with the lender. the distinction is nonsensical. and nen many states like michigan, the title insurance cost is regulated by an insurance commissioner or through a filed rate. consequently, the cost of insurance in most states is typica

mr. trott: i rise to speak about the need for a stronger cybersecurity efforts in our country. personal data flows through the internet with great speed and data about people is gathered in an instant. the use of social media has opened up our lives and this is the same world where hackers steal millions of personal records from people in our distributes. most members of congress have been affected by hackers. internet criminals pose a dire threat to our government on the local state and federal level. the federal government has the resources but our local municipalities do not. five southeast michigan counties, living ton monroe oakland, washington, wayne in the state of michigan came together to build the cybersecurity assessment for everyone. it provides a strong point for governments to begin assessing their cybersecurity needs and taking steps to respond. the assessment is an excel download. i commend these local michigan governments for committing the resources to develop such a tool and encourage my colleagues to work together to find the right solutions to fight cybercr