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The committee will come to order. Without objection the chairs authorized to declare a recess of the committee at any time. Last january, the cfpb im going to recognize myself for the purpose of making an opening statement. Last january the cfpb issued a series of rules that will fundamentally change the Mortgage Market in the united states. Over the last year weve had numerous hearings, in the Financial Institutions and Consumer Credit subcommittee to learn more about the effects these rules will have on the availability of credit. Last november, i had the pleasure of joining mr. Rothfus in pittsburgh for a roundtable discussion with the Community Development organizations in the Greater Pittsburgh area about the effect these rules will have on their ability to serve their consumers. Two things emerged from these committee hearings. One, that the new mortgage rules impair the ability of lenders to work with borrowers on an individual basis. And number two, low to moderate income borro
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