Thank you, Mr. Chair.
I do have concerns with this, but I understand the point Ms. Wasylycia-Leis is making about the rural areas. In some instances, there might be enough business within those areas to warrant another smaller institution. I don't know that I want to put it in legislation, but it would be nice if there was some voluntary agreement with the banking sector and the department--without disclosing the secrets of the institution--so that pertinent information, which is necessary for another financial institution in making a decision about going in, becomes available.
I think you could make an argument that there is a duty by the federally chartered banks to give that type of information. They do get privileges by having a federal charter, for which you could expect some participation by them in the continuation of those communities.