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Thank you all for coming. I want to thank our panelists for what is going to be a very important hearing. The rules will be that i will make some opening remarks, senator burr, the Ranking Member will make opening remarks, members will have three minutes, and i will keep people to three minutes because it will be a long hearing it, and that we will go to secretary shinseki, and the undersecretary. Excellent second panel and a very good third panel as well. It will be a long hearing, and we will get through it. Let me begin by just making a few basic points. Serious allegations have v. A. Perso...

Of their inalennable aalienable right to get 30rate mortgage. Think feelings like that are zapping some of the current momentum. Anymore. O crisis wondering about the begin is the major constituencies agency,ederal finance wall street, the banking industry, fair housing advocates are there others that i accompliced . Homeowners. Basically, the federal Housing Finance agency is a very agency. Mel watt is very powerful because he doesnt answer to a board or commission or the president. Hes an independent regulator. The policies that he sets governing the mortgages that and freddie mac affect abo...

Crowthers mother, alison, and one of those he yung. Li [applause] ling young. S im heres today because of welles, a young man i did not about get a chance to thank. Me to come hard for here today but i wanted to do so tothat i could say thank you his mom and dad. Crowthersles wther. , alison cro for us, he lives on in the people he helped and in the he chose to do september. Y in welles believes that we are all human family,ne that we are here to look out for one another. Or this is lifes most precious meaning. It is our greatest hope that and seeple come here welles red bandana, they will eac...

Obviously, the port has you know, responsibility to get the most responsible persons or organizations to provide the services there. I just want to, you know, mention, though, that there are some, there are some uniqueness, about a location of the center, and i hope that, and i know that this is not part of your directions and i hope that, consideration for the community that will not have the financial wherewithal to bid on this rfp, it will just be considered and thoughts, and i mean obviously, you know, i would love to have you know, my organization, take a try at it. But you know, in all h...

To do so. Though i still may have preferred to make a portion of the draft more neutral, what we are voting on today asks about a number of alternatives which will allow for a wellrounded record to develop on how best to protect the public interest. Second, today, we are voting only on proposed rules, not final rules. This item is an official call inviting interested parties comment to discuss pros and cons of various approaches and to have a robust dialogue about the best path forward. When the chairman hits the gavel after the vote is cast on this item this morning, it will signal a start of...