ms. capito for a minute and a half years that thank you, mr. speaker. i'd like to thank you for joining the committee this evening. less than month my committee has spent time learning about the new mortgage rules and what impact on consumers. they are very concerned about their ability to offer targeted programs to help borrowers. questions come in and we like the west virginia raise concerns about his bank to continue administering a charitable trust that assist low-income borrowers to realize the dream of ownership. two weeks ago, the executive from orion federal union in memphis raised the same concerns that many have visited the taylor government to purchase program will not fit the qualified mortgage standard entering the same hearing, the ceo of charlotte testified that as the regulation stands today, habitat affiliates remain at risk of debilitating liability. in each of these cases, and local lenders losing their ability to serve their community. under suicides a virus ability to repay will be handcuffed by arbitrary threshold and a one-size-fi