mr. wilson? >> i think that the perception that the government is so closely watching them and they're subject to much, much tighter regulation and supervision gives investors the impression that they will be protected by the government. that the federal reserve who is intrusively involved in their operations is responsible for not letting them fail, and i think there is a system set up where the intrusive regulation thaz has replaced the market that you usually see, so the intrusive regulation is much less. it's on average 25 basis points. 22 was the smallest year and 32 was the biggest year i looked at. so there is a definite advantage to being a large bank. >> mr. frank mentioned several times that he felt that the larger financial institutions actually didn't benefit from dodd-frank that was onerous on them. i wanted to quote some things that some people that run some of these financial institutions, for example, said that goldman sachs would be one of the biggest beneficiaries of this reform

mr. wilson? >> i've heard those numbers, yes, sir. >> well, again, it's a sad situation as far as the plitght of community banking goes. although it wasn't advertised dodd franadvertised dodd/frank would live the plight, it has hurd low and moderate income people. what i have seen is that analysis of credit cost for those people pre and post-dodd/frank. credit cards are now on average 224 basis points. that's over 2 percentage points greater on residential mortgages, jumbo, 45 points -- basis points greater, conforming 14 points greater. small unrated corporate debt, 41 basis points. here's an interesting one. auto. auto financing. 17 basis points less. well, isn't that interesting since auto dealers were exempt from dodd/frank's cfpb. we also know the fed has shown their study on qm once fully implemented without exempting the 95% of mortgages handled by the gses. one-third of blacks and hispanics will not be able to obtan a mortgage due to dti. i'm still waiting to see the outrage on the other

mr. wilson. a lot of it is either not real or either not real or if it is real it's not having an impact or not significant. in fact, it seems that we're heralding that this is a good bill because wall street has hit all-time highs. and i would suggest that may be true but it does not properly reflect the overall economy and the reality that the folks i represent are feeling. and i represent virginia's fifth district, a rural district. 23 counties and cities. mostly main street america. we've had in the last six years unemployment in parts of our district as high as 20%. north of 20%. there's still localities in our district where we have unemployment almost as high as 10%. our economy is struggling and we need jobs and we need to capital. we had access to capital that creates those jobs and we talk about the recovery. we talk about the fulltime jobs that were created. there weren't any full time jobs created. there were part time jobs created in june and i think that's important so working famil

mr. wilson do you want to respond? >> i just wanted to plead with former chairman frank to support community banks as in house rule 2673 not to say you won't support that because of something that was said here but to support community banks in the exemption from those mortgages would hold in our portfolio and from escrow requirements to support that concept. >> it will certainly in work for that end and i can negotiate with someone. >> i do have one quick question i want to ask before loose my time. when the things that has happened here is not just the bills that i believe it rode dodd-frank that the lack of funding for critical agencies that supposed to carry out like a ccn cftc. do you have anything to say about that? >> yes, i'm proud of the fact that we insulated the consumer financial protection bureau from that strangulation by nonappropriation that happened to the cftc. again ms. moore ran out of time, i think they're republicans chairman said this is bad as the health care bill but the reaction of the republi

mr. wilson's bank. and, in fact, not only was that bill marked up out of this committee, several of my colleagues on the other side of the aisle voted in favor of that. and my question to you, would you support such a proposal to give a safe harbor status to portfolio loans which the originator maintains the risk? >> i'd have to look at the specifics. i'm generally in favor of that but you said you would encourage it. i think we had to get this in the senate and loosen the risk retention. i would like to have portfolio allowed to be whatever it is. have stronger risk protections. >> i appreciate you're japan inclination toward risk retention and your general favorability towards that. mr. wilson, i want to direct your attention as a small community banker to this slide here. the ranking member earlier alluded to the fact that you should have no problem originating mortgages now your $2 billion or below in assets. this is a slide from the consumer financial protection bureau. this slide shows what it req

mr. wilson makes and keeps an portfolio to those that are made and then securitized. securitization, i think, is a great example, mr. anthony carfang said, not getting rid of risk of passing it off. one of the things i wanted to do was require that people securitized loans, the securitized has to have a 5% risk retention. that has weakened somewhat in the senate. i would prefer a situation in which there was risk retention of securitization taking place and now 35 and then you could be much easier with people keeping things in portfolio. again, i emphasize, mr. wilson's bank and the community banks have always been covered by the community reinvestment act. it is inconsistent to talk about what a good job they did and blamed the community reinvestment act for messing things up. as a small bank, we did come as the analysis to reduce the premiums, and we did exempt them from being examined by the cfpd, and there were other areas. showing compliance with the volker rule of the forms of compensation there was a suggestion that they be specifically exempted from those since

this home is the home to which president and mrs. wilson moved the day they left the white house in 1921. president wilson passed away three years later. mrs. wilson lived until 1961 and then upon her death left. it was opened as a public museum in 1963. we are now more than 50 years as an institution in washington, d.c. it is good to see all of you here tonight. our program is entitled "smile while you kiss me sad adieu." world war i songs. let me introduce our speaker quickly. we like to remind people here that president wilson imagines a world at peace and proposed a plan to achieve that vision. that is a remarkable accomplishment when we take about it from the vantage point of our lives 100 years later. it is more remarkable if we transport ourselves back to his time and think about the world in which he lived and the ideas that were abroad at the time and the remarkable accomplishment that it was for him in the middle of a world war to imagine what the world ought to look like at peace and propose that that should be our default positi

this home is the home to which president and mrs. wilson moved the day they left the white house in 1921. president wilson passed away three years later. mrs. wilson lived unti

mr. wilson."tten by a woman who went on to become a professional songwriter who went on to write a lot of the materials for fanny brice when she was in the ziegfeld follies. there were the songs of the beginning of the war that are clearly about not getting in. but they become much more personal. we take our hats off to you, mr. wilson, is a generalized salute. it is a kind of thing a group marches down the street singing. popular songs had to do that, but popular songs are mainly good at the emotionalism that exists between two people. in all of the history of popular music in this country, probably 98% of the songs have tw characterso. i and you. and it is about what is going on or not between us. a typical song is when you start getting into the intense personal emotions. war, young menil going off to war, never having been away from home before. and very young. and it was a much less sophisticated country. a lot of the farm boys. a lot of them immigrants. an awful lot of the union army spoke w

mr. wilson talks about the preinspection determined the danger of the land slides is dangerous next t is exhibit b this is the notice that was issued to the property owner that is dated march 12, 2012 is asked the property owner to clean up the rocks as a result of the landslide and exhibit h is at&t's report to the officer and it notes that dpw inspector and at&t found erosion felt hillside. >> and those are the further compulsions that show the concerns about the site. and about the landslides and the hill. including exhibit e from the notes of may 23rd box walling walk where the 203 ken tar was identified as a site with the boards commission i'd like to give the floor to ms. ray has. >> good evening, commissioners i'm with at&t. i just wanted to put up a photograph to give you a sense of what it looks like up at the location that we're talking about. as you see the situation is pretty much gone from the landslide our box will be going back behind the pole set back from the sidewalk up into the hillside so the department of public works has put barriers to protect this part of the side

mr. wilson: mr. speaker, pursuant to clause 1 of rule 1, i demand a vote on agreeing to the speaker's approval of the journal. the speaker pro tempore: the question is on agreeing to the speaker's approval of the journal. those in favor say aye. those opposed, no, the ayes have it. the journal stands approved. mr. wilson: mr. speaker, i object to the vote on the grounds that a quorum is not present and i make a point of order that a quorum is not present. the speaker pro tempore: pursuant to clause 8 of rule 20, further proceedings on this question are postponed. the pledge of allegiance will be led by the gentleman from pennsylvania, mr. marino. mr. marino: i pledge allegiance to the flag of the united states of america and to the republic for which it stands, one nation under god, indivisible, with liberty and justice for all. the speaker pro tempore: without objection, the gentleman from california, mr. mccarthy, is recognized for one minute. mr. mccarthy: thank you, mr. speaker. i'm both honored

birds are all in your ticket we on the plane you could already been you believe mr wilson is this part of the us quickly is there not that he has not said but is not the presentation of us tokyo could i in that version i'm going to link them you missed the not old never heard of. the really nya. news that's in there is not old nicholas nickleby is still it. it was not challenged or. complete the guest with not one of the not admirable me at the end of a probably the only bloody me. up on a widely the petition me a president needs. me. on going to that set of what it will. give you that i think i cannot see any way to. people want to share like europe casually have a lot of food curators to put a little sugar in the biggest that they relate to what you and then push the premiums wash it with because it isn't a guy should put it to his courteous to mr. she. used to pass through shit still even though he was leaving out of it when it was the other good ones look when she was his foreign minister says that western country should be pushing for an immediate and unconditional cease fire in u

mr. wilson: mr. speaker, last ek it was published titled "immigration crisis: securing boarder is key to stemming the flow of children." extraordinary points were made. quote, failure to secure the southern border, combined with careless messaging by president barack obama, has made the united states an attractive nuisance. the fiasco at the southern border is far more than a political dilemma. obama needs this under control. letting latin americans know in no uncertain terms that the united states the company and will not host una-- cannot and will not host unattended whirn who -- children who illegally cross the border. we can't put these youth in danger and we can't resolve their polite. the lives of restless children -- the lives of these children rest in the balance. the speaker pro tempore: the gentleman yields back the balance of his time. for what purpose does the gentlelady from north carolina seek recognition? ms. foxx: i ask unanimous consent to address the house for one minute, mr. speake

mr. wilson: mr.peaker, i ask unanimous consent to address the house for one minute and to revise and extend my remarks. the speaker: without objection. mr. wilson: sloan gibson v. ed the ryan dorn hospital. v.a. chairman jeff miller visited both hospitals in january, promoting the expedited health care for our veterans. the lack of treatment our veterans are receiving from the v.a. is inexcusable. sadly we have learned about lack of care at v.a. facilities across the country, leading to death, cancer and other progressive illnesses. a preview of obamacare chaos. this has been a failure by the president who was alerted by his transition team in 2009 that there was mismanagement. as the former c.e.o. of the u.s.o., acting secretary sloan has experience to restore accountability for our veterans. moving forward i have faith that the professional staffs at dorn and charlie norwood v.a. hospitals will ensure that those who fought for our freedom will get the health care services they deserve. in conclusio

mr. wilson: mr. speaker, the failing afordable health care act has proven not to be affordable for american families. health care costs have increased with confusing coverage destroying jobs. when stephanie went to the doctor, she found her co-pay for each therapy session is $250. however, i can be uninsured, self-pay patient and get the same therapy for $85 per visit. connie from akin says, quote, i was more than shocked to learn what used to be an $89 prescription is now more than $300. america's devoted mothers know firsthand of the failure of obamacare. small businesses are hire manager part-time workers than full-time workers because obamacare costs are too high. longtime employees are having hours redeuced, putting families at risk. we must repeal and replace obamacare so people like stephanie and connie receive relief from unworkable mandates. in conclusion, god bless our troops and we will never forget september 11 and the global war on terrorism. best wishes for continued success for chad, f

mr. del wilson, chairman, president, and ceo of the first state bank of san diego, texas. next we welcome mr. anthony carfang, a partner at treasury strategies, a firm that counsels businesses on treasury management strategies. it is now with a very -- with a lot of sincerity that i welcome back chairman frank. i haven't had an opportunity to shake your hand and greet you personally. we will remedy that situation after the hearing. selfishly, i welcome the chairman back for two reasons. number one, i want to bet that the ranking member would call him as the democrat witness to defend his law, and it is always good to win a bet. and i have a vested interest in ensuring that former chairman are well treated by this committee. i intend to be one one day, but to the chagrin of my democratic colleagues i'm not planning for that to be one day soon. next, we welcome mr. thomas deas, vice president and treasurer of the fmc korms in philadelphia. his testimony today is on behalf of the coalition for derivatives and users. last but not least, mr. paul kupiak is a resident scholar at

mr. wilson: thank you for your leadership in bringing this bill before us today and i appreciate the congressman from nebraska and his interest in the global threat, reduction initiative. it's very worthy. but i want to point out i'm very grateful that the m.o.x. facility is loathed in a district that i represent and it is part of the savannah river site and i represent a portion of the site and so does jim clyburn. this is really bipartisan support of the m.o.x. facility. this facility is really crucial for environmental cleanup and very crucial to fulfill the nuclear nonproliferation agreement that we have with the russian federation. the site and it's over 60% completed. $3.9 billion has been spent. the site has such a positive impact by reducing what is already there, 34 metric tons of weapons-grade plutonium and made into green fuel. this is for nuclear production for our country. additionally, it will fulfill the agreement that we have with the russian federation to do with weapons-grade plutonium and will encourage them to do the same. this is proven technology. there has been a facility

mr. wilson: thank you for your leadership in bringing this bill before us today and i appreciate the congressman from nebraska and his interest in the global threat, reduction initiative. it's very worthy. but i want to point out i'm very grateful

mr. wilson: madam speaker, the american people know the i.r.s. cannot be trusted. the i.r.s. has been corrupted by this administration, undermining the integ i have to its longtime employees. former i.r.s. employee lois lerner arrogantly refuses to answer questions and now the i.r.s. is claiming to have lost hard drives containing emails that could lead to the truth. house republicans know if the i.r.s. implements obamacare the american people's security will be placed at risk. the house will vote on a bill that reforms the internal revenue service, keeps them in check and restores accountability this piece of legislation prohibits i.r.s. from targeting people based on their political beliefs and restricts the agency from enforcing obamacare. the president's broken promises have caused pain for hardworking american families, destroying jobs. we must do all we can to prevent future injustices. in conclusion, god bless our troops and we will never forget september 11 and the global war on terrorism. the speaker pro tempore: for what purpose does the gentleman from new york seek

mr. wilson: madam speaker, the i.r.s. plays an essential role in the obama administration. they are responsible for enforcing the failing health care law. interfering with prespeech. handling nnses -- finances for the government. sadly it's become apparent this organization is corrupt. and therefore unable to fulfill its duties to the american people. the house has revealed a clear record of i.r.s. harassment based on political belief. threatening jobs. claims of missing emails are inexcusable. proof of deliberate delinquency are apparent. the i.r.s. is entrusted with great responsibility, yet their actions disrespect the american people they are supposed to serve. in conclusion, god bless our troops and we'll never forget september 11 and the global war on terrorism. my sympathy to the family and friends of earl brown. a dedicated patriot of brooklyn baptist church. the speaker pro tempore: for what purpose does the gentleman from new york seek recognition? >> unanimous consent to address the house for one minute. the speaker pro tempore: without objection, the gentleman i

mr. speaker. ms. wilson: mr. speaker, i'm asking the world to join together as we refuse to let the abducted nigerian girls vanish from the international headlines. by tweeting every day, from 9:00 a.m. to 12:00 p.m., eastern standard time, using he #bringbackour girls and #join-repwilson. we have good luck jonathan from nigeria to speak about the resources his country used to try to find the girls and read about the role in developing a concealed rescue plan. mr. speaker, we know that these are excuses from niger yoo -- nigeria. we have seen un-able acts of terror committed almost daily. we have seen the military officially wrap up its investigation into the kidnapping without locating the girls. we have seen president jonathan spend over $1 million in a public relations campaign in an attempt to reshape his image. mr. speaker, president jonathan, we are still waiting to see you bring home those kidnapped girls. the speaker pro tempore: the gentlelady's time has expired. ms. wilson: tweet, tweet, tweet. tweet, t

mr. chair. >>supervisor norman yee: so, could i have bobbie wilson. maybe give him a few seconds to leave the room. >> good afternoon, supervisors. i am privileged and honored with the opportunity to speak with you today. thank you. i started my legal career in san francisco as a legal aid society employment law center in the mission where i focused on high impact employment cases representing farm workers and black firefighters, lesbian police officer whose fellow officers put a rat in her locker because she dared to complain about sexual orientation discrimination. as part of the employment, i also staffed the workers rights clinics. those would be clinics that we would have at different locations and would have people come in who couldn't afford lawyers and talk about their employment problems and they had many many types of employment problems. i tell you that because it goes to the diversity of my legal experience. after the employment law center i went to a private practice to a firm that is no longer around but a great firm, howard rice. they h

mr. wilson: an alarming admission has shown itself in the june unemployment report. more people are dropping out of the job search than finding a new job. more people are giving up than succeeding. this means the real unemployment rate is 11.2%, not 6.4%. hardworking americans are suffering and losing jobs at the hands of a failed job policy, at the hands of the president's pen. ow 14 million more americans depend on food stamps under his failed policy. a definition of success is having a job, not being forced to depend on food stamps. house republicans will continue working to create jobs by passing legislation that puts americans back to work in good-paying opportunities. over 40 jobs bills have passed the house but now are stuck in the senate. when more americans give up jobs than succeed, it's a problem. when it happens that many times in a row, it's a failure. god bless our troops and we will never forget september 11 and the global war on terrorism. the speaker pro tempore: the gentleman's time has expired. for what purpose does the gentlewoman from north carol

wilson: mr. speaker, over 100 days have gone by and the kidnapped school girls in nigeria are still not home. the consequences of their absence and the lack of formal action to find the girls are unmanageable. -- unimaginable. 11 parents of the abducted girls have died, died from the heartbreak, died for from fighting for their girls, died from international silence. a father slipped into a comba, repeating his daughter's name until he pass wead -- passed away. these stories are real. in the meantime borks harm has continued to kidnap more girls. last week they took over a whole town. this issue is real. we cannot ignore boko haram and the polite of these missing girls -- plight of these missing girls. , with a tweet and a hashtag you are showing the nigeriaan people, boko haram, the missing girls and the world that we have not forgotten. we have to keep tweeting, we have to keep talking. this is not an african problem, this is a world problem. these are our girls and we will bring them home. i u

mr. permanently shut down friday. in stockton, tiffany wilson, abc 7 news. >>> prosecutors are getting more time to decide whether to charge a mom accused of attacking a 12-year-old boy she claims bullied her daughter. a judge today granted prosecutors an extension in filing charges against the 30-year-old. she was arrested in may after authorities say she went to her daughter's school during lunch grabbed the boy's throat. she confronted the boy but denies touching him. this is the third time prosecutors requested more time. she was ordered back in court next month. >>> fedex facing federal charges for shipping prescription drugs from illegal online pharmacies apparently for at least a decade or so they're charged. a federal grand jury in san francisco indicted fedex today. the government claims fedex repeatedly ignored warnings from the dea and congress. prosecutors want fedex to forfeit at least $820 million in profits connected to those shipments. fedex will plead not guilty, and issued a strongly worded statement reading, in part, we're a t

mr. secretary general. that was just terrific. i'm damon wilson, executive vice president here at the atlantic council. we've got about 25 minutes to continue the conversation with the secretary general. first, let me echo the warm welcome from fred and general jones for coming to the atlantic council for this. we're especially grateful as he's just come off the plane, arriving at dulles. second, to remind everyone who's covering this, either online or television audience of the hash tag #futurenato. and finally, before we begin our conversation, thank you for your shoutout to the nato future leaders. i think we have two of them with us today. one of our american delegates, gina jones, and our turkish delegate. they're both over here. terrific. thanks for being with us today. really important program, and thanks for your leadership on getting that off the ground. mr. secretary general, you just delivered a pretty strong message about how to strengthen the transatlantic bond and really capture the spirit of an atlantic council mission, that the solution to every strategic challenge has been transatlanti

joining me from aspen institute, director and president of woodrow wilson center jane harmon. she joins us now. mrs. harmon, thank you so much for being on the program. i want to read a bite and get your commit. many see it as cyclical, hamas will regroup and rise again after the israeli offensive ends. wash, rinse, repeat. metaphor describing the conflict, this operation is one more round of mowing the lawn. the grass will keep growing back. what can john kerry do when he faces these types of conditions. negotiations, to start the negotiations, both sides can't even agree to. >> well, i applaud john kerry for going back to the region. his energy and passion unflagging. it's important for the u.s. to be present. what can he do? he's going to talk to the egyptians. i think he may be going to cairo. they are in a better position to be an intermediary for the cease-fire. the quote you read is too cynical to me. let me say first of all, hamas started this, not israel. it is true the murders of the three israelis and retaliatory murder, none of which is excusable but hamas continues this and continues t

mr. minister. that was an insightful set of remarks. my name is damon wilson. i'm executive vice president here at the atlantaic counsel. we want to follow-up your remarks and dig a little deeper on the issues. i want to remind all of you who are following this on line please follow along using the #acukraine. i want to start by welcoming back minister klimkin to the atlantic counsel wext sha. we shared a stage in july of 2011 exactly three years ago on a conference that i did. at the time, you were deputy minister, very much engaged in the negotiations with the european union moving forward with the negotiations with this complicated text for the association agreement and you also got an earful about concerns about what was happening at the political level with the erosion of democratic practiced and institutions in ukraine at the time. as i've worked with minister klimkin over the years. this is a diplomat who has demonstrated a principaled approach to policy who has always had a degree of strategic clarity of ukraine belonging in europe. we're delighted to s

mr. simas as we discussed whether we can reach an appropriate accommodation. sincerely, w. mcneil wilson, counsel to the president. the inquiry of this is very brief, mr. chairman. mr. chairman, before we proceed any further, i just want to confirm what we talked about already. we understand that we are doing -- what we're doing this morning so our members will be clear, we resume this hearing this morning even though we knew mr. simas was not going, and we won't have ms. lerner's testimony. my understanding is we continue on to the business meeting in spite of mr. simas not appearing. i have a statement i would like to give, and i'm happy to wait until the business meeting is given. >> if you would like to give it now, you may. >> no, i'll wait. thank you. >> mr. couple mipummings, just response, as you know, we have an inherent obligation of oversight. the question before us today is a very straightforward question. are we doing oversight? is it our right and our obligation to do oversight? i believe it is. there is a long precedent that when this committee asks for someone appropriate

mr. plots and disturbances with this office in the past iain. >> you can't school. we understand that are you char plots is in his 30s. and they're going to give us more information of course shawnette wilson is on the scene and we hope to hear from you in a little bit. >> all right. our cameras were at the hospital of the university of pennsylvania tonight. where medics took the doctor grazed by the gunfire. the delaware da you heard him talking about this. they do plan to talk with that doctor tonight after his release. the suspect is at hup as well. and, again, he was also injured in this shooting. three gunshot wounds that we have heard about and he is also in critical condition tonight. our coverage continues withdrew dickman. he's on the hospital campus in darby borough. drew, have you been talking with witnesses and it sounds like they have a lot to say. >> reporter: yeah, they do have a lot to say lucy. a lot of concern and confusion. you her the da just say that this is a hospital where people know the other doctors here. they are upset. obviously a family lost a loved one. we even spoke to a woman today who said her aunt was the one inside that office. she called 911. she didn't

so pete wilson said, you know, i really don't like those immigrants. you know what immigrants did? they came. here's the issue, mr. rodriguez. it was $95 back then. it is now how much? >> it's my understanding that the naturalization fee now is -- i think it's about $680. >> so it's a lot more than it was back then. are you doing anything in order to make citizenship? because it just seems to me if somebody wants to become a permanent resident of the united states, that is they want to renew their permanent resident, it's around the $400 range. but it's over $600 if you want to become a citizen. why is it so much more expensive if you want to be a citizen than if you just want to be a permanent resident? >> the price of any particular benefit, the cost of any particular benefit is determined by the time and effort involved in adjudicating that benefit. so naturalization, we're talking about language interview, we're talking about a general interview. so there's a significant time and effort involved. we have to pay our own way. >> my time is up. >> and you have fee waivers that are granted to about 20% of our app

so pete wilson said, you know, i really don't like those immigrants. you know what immigrants did? they came. here's the issue, mr. rodriguez. it was $95 back then. it is now how much? >> it's my understanding that the naturalization fee now is -- i think it's about $680. >> so it's a lot more than it was back then. are you doing anything in order to make citizenship? because it just seems to me if somebody wants to become a permanent resident of the united states, that is they want to renew their permanent resident, it's around the $400 range. but it's over $600 if you want to become a citizen. why is it so much more expensive if you want to be a citizen than if you just want to be a permanent resident? >> the price of any particular benefit, the cost of any particular benefit is determined by the time and effort involved in adjudicating that benefit. so naturalization, we're talking about language interview, we're talking about a general interview. so there's a significant time and effort involved. we have to pay our own way. >> my time is up. >> and you have fee waivers that are granted to about 20% of our app

mr. roboto roberts, the chief robot of the united states, robot versus wade. [laughter] those of you from the new york area, jnr electronics and my personal favorite, sheldon h. wilson's remote-control device. so, in any case which brings me to the fact there's something extremely timely about this paper because as we know, the supreme court decided in the case yesterday and the day before whether or not chief justice roberts is a robot the supreme court is on autopilot when it comes to campaign finance, and also the fact that recently there was a controversy in canada over the qualifications of a nominating supreme court judge that was rejected by the supreme court for being insufficiently qualified to be one of the three representatives on the court which carissima has written about and it seems those are relevant to what you want to talk about in the papers as we will see in the second. so that is the name and now what is it exactly that ian and carissima have to tell us? there are three reasons why chief justice roberts is not qualified or fit, qualified as a legal question but that is a more philosophical question to be the chief justice of the united states. and

mr. wilson's testimony here today that talks about qm, even, without him even understand that go his bank under qm, a bank under $2 billion, you can keep all of your loans in portfolio as long as they're not predatory loans, no documentation loans, those kind of loans. and you have some protection under safe harbor. so i'm going to go to barney frank. let's talk about what we have done and what you have done to be of assistance to small banks and community banks. >> a couple things. first, on the point you raised, i am, again, very surprised to hear my republican friends now say our problem is that we have toughened up the standards for banks to low-income people. i thought that was a general agreement that was part of the problem. but there is this myth that somehow democrats were pushing for these loans. in fact, during the period from,