David Bochnowski, President, President and you will President, Individuals Financial, Munster, Indiana and you may Basic Vice chairman, America's People Bankers; Mr Mr. TAYLOR. The point that of amount is the higher banks blend in their HMDA revealing the brand new subprime credit, it bury they and it is very difficult to discover. GAO have necessary included in the fair credit studies you to the new Provided should declaration it. They decline to do that. Eventually, we all know regarding the top subprime loan providers in this country, a number of the large of them, try owned by higher banking companies otherwise holding organizations. Therefore their hand come in this new cookie jar into the a massive method. It is a question of governmental have a tendency to. I do…