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unions and commercial banks testified. this is one hour and 20 minutes. the and good morning. i want to welcome and thank of the witness for being here today to testify on the issue of the credit union business lending. weigel wheat wheat for one of the ranking member to make his appearance, i will go ahead and start. the credit he unions are limited in the amount of business lending they are permitted to engage in. they have a good amount of business loans made by a credit union is restricted to the lesser of 1.5 tons of the credit unions net worth or 12.25% of the credit union s total assets. the member was put in place in 1988 with a message by congress of the credit union membership access act. since that time, the credit union industry has advocated for the removal of increase in the business lending cap. senator mark udall has introduced legislation that would raise the capitol to 27.5% of total assets. there is a wide range of views on this matter especially as con