Thank you, Mr. Chair.
I also appreciate the opportunity to ask questions of the witnesses here. I had a considerable amount of time in a career as a banker for about 30 years, so this is a topic that is of particular interest to me.
My first question is for Equifax.
I know that you don't provide recommendations. I know that you provide simply information.
Are there any ongoing or proposed regulatory changes that you believe will affect the way credit card data is reported? How might that impact the consumer credit scores?