into effect. and also the secretary of state is going to publish the law by the 25th. >> bill: tell the folks what happened. last thing, remember my barney frank interview. >> how could i forget. >> bill: scared you ladies. called barney dishonest over freddie mac and fannie mae which the congressman didn't do his job. there may be charges against fannie mae and freddie mac. >> sent out notices that they may bring civil, civil charges for -- not talking about criminal. not for fraud but just for lax days call behavior. >> bill: lax lack is i days call for not divulging to investors really what subprime mortgages. >> bill: basically fraud and inducement? >> it's not fraud because that's a criminal charge and not a civil charge. >> bill: might go after them and sue them. >> and sue them. which would hurt them in the pocketbook. >> no, but they are all