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The clerk will read a communication to the senate. The clerk washington d. C, nod conversation will now come to order and the chair recognizes himself for five minutes for the purpose of an Opening Statement. This morning, first let me welcome our witnesses. This morning we will receive an update on the Consumer Protection efforts in place to address the fraud risk for americas seniors. As of july 2013, there are over 44 million americans who are older than 65. That almost 14 of the population. The population, 65 and holder in the United States, projects to outnumber people younger than 18 for...

Changes the conversation because focusing on advancing women and, again, i want women in the top of every profession but when we think about it that way, we start counting. Because thats the way you measure how well women are doing, how many women are in fortune 500 and how many women are in Senior Management and how many women are computer scientists. All that have does focus pretty much on wealthy white women, by and large. It does not phofocus on the millions of the women at the bottom. One of the thing i realize, we have too few women at the top and too many women at the bottom and care or...

State of play there . Jim, are you following that . Well, a bit. Im not probably not as expert as some others are on this. But certainly i think youre right that the because we are two such gigantic financial markets, the opportunities in liberalization there or harmonization are tremendous. The benefits that flow from that are probably as large as anything you could think of in the entire ttip agreement that would flow from that. In the United States the reluctance on the part and i think we should be doing it. I think the reluctance in the United States is the passage of dodd franks and nobo...

That we weigh in on how other countries set up their own regimes, in a manner that will be good for u. S. Firms and the u. S. Market. Its an attempt to influence what other countries do and thereby ensure a level Playing Field that works in our best interest. Their angst is based on the fact that they believe we might end up accepting standards from the International Community that might create problems for them here at home. Nothing thats adopted internationally has any binding force in the United States. We go through our own rulemaking process and decisionmaking. Its our internal decisions ...

Not look at asset manages of siffys but maybe down the road it would . There were a set of criteria that fsok initially issued to indicate firms that it might look at. Has that been updated, chair . Im not certain if it has. But there was there was written if you dont mind well reach out to your staff to see if theres any updated criteria on that. Do you also have a set of criteria that deals with an offramp, such as if an institution designated as a sify and they go down this path in your eyes, offramp for them. Do you have that set of criteria . We evaluate each of these firms every i think ...