Expectations and standards are. To piggyback a quick question off of that. Seems and these seem like significant changes. What impact will it have on credit overlays . I hope that it will substantially reduce credit overlays and that lenders will start operating more inside the credit box that fannie and freddie have said they will purchase loans in or guaranteed loans in that space. And based on conversations that we have had with industry participants emma my hope is a positive hope. I do not know when you transfer from hope to an expectation. Some of them have assured me that if we can smooth out some of these uncertainties that exist in their space, it would translate into reduction and overlays and it would translate into more availability of credit to people who can afford to repay the loans. And that is what we are very much interested in having happened. Haveth me and the crown lot more questions we would like to ask we are past their limit. Have everyone join in thanking you w
To dispute it. Then he goes on to say this and i agree with this line, talk about all stem graduates now if there were a Talent Shortage where are the market indicators like wage increases . D so mr. Donahue and your friends at the chamber of commerce believe in the free market then why is it down if we have a shortage of workers . Why arent the wages going up . For another businessman that said recently there are 600,000 jobs in manufacturing going unfilled today the immigration bill king go along way to help uses fill these positions. Great scott. I have seen instances where thousands where people apply for just a h few jobs. As does he not have any interest first of all, that got our goals as a policymaker as United States of america is to say you have jobs . We havere to get people ready. K america is on welfare that needs to go to work. Give us such a dance of people here first before you take away the ford workers to take away the limited number of jobs. 2000 through 2013 all net
InterNational Drug control, but the reason to control it is to keep it out of our country and to do those things which prevent opiate use, not to enable it, but one answer according to the experts may be the countrys addiction and use of prescription pain medications, a report released by the Substance Abuse and Mental Health services that people who use prescript n prescription thats an amazing thing to me. Furthermore, four out of every five heroin abusers in much the same way as heroin, the lesson here is that rather than thinking of two separate addictions, prescription pain medications, and heroin, we should realize that were facing a much larger opiate addiction epidemic that includes both, so the strategy to treat the number of overdoses, but the first and most important strategy is to prevent drug abuse before it starts and this means educating communities and youths about the dangers. Now some communities already do this through the federal Drug Free Communities Program prescr
Your written testimony says that the commission continues to reiterate its longstanding bipartisan call for enactment of a strong federal Data Security and breach notification law. Is that still the position of the commissioner . Absolutely. Mr. Mass mastria, do you want to comment . Very taken a look at the possible legislation, for instance, that senator mccain made reference to . I am generally familiar with it but as a selfregulatory body, we do not weigh in on the legislation. We leave that to our founding trade associations to do that. Are you done . Im going to try to finish, if not, ill be right back. Mr. Mastria, the association has requires its members to publish the names of parties that do Data Collection for on or for their website. Its a link to their privacy disclosures. Is that correct . You do you require that of your members . We do require notice and transparency. Do you require your members to publish the names of the parties that do Data Collection on their website
Prescription drugs. So i start with the demand issue with the Prescription Drugs and how we get to that. And id say, first of all, we have to do everything we can to reduce the supply. This means to me the drug takeback programs and getting them out of the hands of kids when its the number two thing theyre addicted to. Senator cornyn and i passed a bill back in 2010. Seems like quite a while ago, but still waiting on the rules that makes it easier and sets out some clear standards for how these drugs can be transported when they are put into takeback programs. We did that because theres Certain Police departments and longterm care facilities that still are not doing these programs. And theyre concerned about liability. What the bill does, it makes it easier for pharmacies, which would be excellent if they voluntarily did this. Ive done some events with pharmacies, if you can imagine, people bringing back their Prescription Drugs, getting them out of their medicine cabinets, bringing th