This week Congress may consider a bill dealing with reforms to our Financial Regulatory system. Clearly, reforms need to be make, but unfortunately the bill the Democrats have compiled bears a striking resemblance to the health care bill passed three months ago in that it's 2,000 pages of bureaucracy in which the people who wrote it don't even know what's in it. In fact, Senator Chris Dodd (D-CT), the man most responsible for crafting this piece of legislation had this gem to say about the bill:
“‘No one will know until this is actually in place how it works.’”
If you want to be serious about financial regulatory reform, you've got to be willing to address Fannie Mae and Freddie Mac, two entities who were the driving force behind our economic downturn these past couple of years. Sadly, Democrats went so far as to reject a series of amendments offered by Republicans to put an end to, or even limit, taxpayer-funded bailouts, including those for government sponsored enterprises Fannie Mae and Freddie Mac.
The Republican Study Committee has compiled a very informative summary highlighting the shortcomings of this legislation:
* Winners and Losers – Instead of using and enhancing existing legal structures like the bankruptcy process, the bill gives the same regulators, who failed to see the current crisis forming, broad new powers to takeover and break up private companies. The Executive Branch would have every opportunity to abuse these powers to pick winners and losers for political reasons.
* Taxpayer Bailouts – Taxpayers will pay the costs of these takeovers upfront out of the Treasury. This taxpayer bailout is supposed to be paid back later by other financial firms, but the costs could quite conceivably rise to trillions of dollars – making repayment out of the question.
* Consumer Restrictions – The bill creates a new agency with jurisdiction over all sorts of financial products offered by banks and non-banks (i.e. Sears or your local mechanic): credit cards, installment plans, mortgages, other loans, check cashing services, etc. In an effort to “protect” consumers from their own decisions, Democrats will make credit more inaccessible for families and entrepreneurs across the country.
* Hoarding Capital – While banks need to keep their reserves at responsible levels, the stringent new leverage restrictions – chosen by politicians – will leave even credit-worthy consumers struggling to get a loan.
* Fannie Mae and Freddie Mac – Who? Despite their intimate involvement in the financial meltdown and their perpetual taxpayer bailout ($145 billion and counting), the bill neglects to make much-needed reforms to these failed and insolvent entities.
Bachmann Office Coming to a Town Near You
My staff regularly holds Mobile Office Hours at locations all across the district. These are opportunities for you to come meet one on one with someone from my office who is trained to be your liaison with federal agencies. Please bring copies of any paperwork that you might have with you when you visit. Particularly, if you are having a problem with a federal benefit or program and have letters or documents that might help my staff get answers for you quickly.
You can find a complete schedule of my Mobile Office Hours on my website.
The next Mobile Office Hours will be held on the following dates in the following locations:
Thursday, July 8
--9:00 am to 10:30 am:
Howard Lake City Hall
625 8th Avenue
--11:30 am to 1:00 pm:
Annandale City Hall
30 Cedar Street E
--1:30 pm to 3:00 pm:
Clear Lake City Hall
7684 1st Avenue W
--4:00 pm to 5:30 pm:
St. Michael City Hall
3150 Lander Avenue NE
Tuesday, July 13
--10:00 am to noon
Washington County Library, Hardwood Creek Branch
19955 Forest Road N, Forest Lake
--1:30 pm to 3:30 pm:
Andover City Hall
1685 Crosstown Boulevard NW
Also, please take a moment to visit my website (www.bachmann.house.gov) and sign up for my regular telephone town halls as well. That technology allows you to speak with me from the comfort of your own home. You’ll get an update on what Congress is doing that might impact you and have the opportunity to ask me a question about what’s on your mind.
Don't forget to follow my Facebook and Twitter accounts as well
Wednesday, June 30, 2010
Monday, October 19, 2009
Bachmann Urges Government to Put an End to ACORN-Bank Connection
Last week, I wrote to the Chairman of the Federal Financial Institutions Examination Council (FFIEC), a federal agency, to urge a thorough reexamination of the rules governing compliance with the Community Reinvestment Act (CRA). Under current rules, many banks make donations to and enter into partnership with ACORN and its affiliates to meet their federal obligations under the CRA. Millions of dollars flows from these banks into ACORN in what amounts to borderline extortion. And, given that there is more than ample evidence that ACORN employees are incapable of offering reliable, let alone legal financial counseling, the FFIEC should issue clear guidance prohibiting banks from receiving CRA credit for donating to or partnering with ACORN.
A review of the FFIEC’s CRA website, which displays links to CRA ratings and Performance Evaluations (PEs) conducted by banking examiners reveals a list of banks that have used ACORN partnerships to comply with CRA mandates. For example, Citizens Bank of Massachusetts “offers an affordable mortgage program through ACORN for low-and moderate-income homebuyers with below market rates, expanded ratios, and a low downpayment requirement.” And, last week, the AP reported that in 2003 JP Morgan Chase gave ACORN a $5 million grant.
Bank of America, which has been one of ACORN’s biggest corporate contributors, including a $2 million donation to ACORN Housing Corporation in Chicago, recently announced it would terminate its donations to ACORN given the recent headlines. And, its long past time that the government stop encouraging this flow of money into an organization that has demonstrated a pervasive culture of corruption.
The full text of my letter is below:
The Honorable Sheila Bair
Federal Deposit Insurance Corporation (FDIC)
1776 F St., NW
Washington, DC 20006
Dear Chairman Bair,
I am writing to you in your capacity as Chairman of the Federal Financial Institutions Examination Council (FFIEC) to request a thorough examination of the role ACORN plays in helping banks satisfy their Community Reinvestment Act (CRA) obligations. As you know, ACORN has earned a reputation with the public for extremely poor systemic controls that have led to persistent unethical behavior and repeated disregard for voter registration and other federal and state laws. Recent videos showing ACORN employees giving advice on how to set up a prostitution ring as a legal enterprise by violating tax and immigration laws and abusing government housing grants have demonstrated ACORN’s flagrant abuse of the public trust and complete disrespect for the law.
In response to such inappropriate behavior, the Census Bureau cut its ties with the organization last month and the IRS announced it would no longer partner with ACORN through its tax assistance program. Congress also took steps toward prohibiting ACORN from accessing federal tax dollars – a policy which I believe should be implemented immediately. However, more can and should be done to curb the illegal activities of ACORN and hold the organization accountable for the unethical behavior it encourages.
As Chairman of the FFIEC, I urge you and your fellow council members to conduct a thorough examination of this issue and prohibit financial institutions from receiving CRA credit by donating to or partnering with ACORN or any of its affiliates. A quick search through the FFIEC’s CRA website, which displays links to CRA Ratings and Performance Evaluations (PE) conducted by banking examiners, shows that many banks across the nation have donated to or partnered with ACORN in an effort to comply with CRA mandates. This includes banks regulated by the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board (FRB), the Office of the Comptroller of the Currency (OCC), and the Office of Thrift Supervision (OTS).
For example, according to the FDIC’s CRA Ratings database, Citizens Bank of Massachusetts “offers an affordable mortgage program through ACORN for low- and moderate-income homebuyers with below market rates, expanded ratios, and a low downpayment requirement.” Northeast Bank in Minnesota “donated $2,000 to ACORN,” Independence Community Bank “provided grants to the New York City Office of the ACORN Housing Corporation,” and New York Community Bank “participated as a co-sponsor of the Bank Fair hosted by New Jersey ACORN.”
These donations and partnerships are not only in full compliance with current and proposed FFIEC guidance, they are clearly encouraged by CRA. The Federal Register containing Interagency Questions and Answers about CRA and published by the FFIEC states, “Examples of qualified investments include, but are not limited to, investments, grants, deposits, or shares in or to… Not-for-profit organizations serving low- and moderate-income housing or other community development needs, such as counseling for credit, homeownership, home maintenance, and other financial literacy programs.”
ACORN Housing’s website proclaims that it “provides one-on-one mortgage loan counseling, first-time homebuyer classes, and helps clients obtain affordable mortgages through [its] unique lending partnerships.”
But in light of the many examples of disregard for the law and public trust, the time has clearly come for a reexamination of the relationship that these rules encourage banks to have with ACORN. ACORN employees are clearly incapable of offering reliable, let alone legal, financial counseling as illustrated by the undercover videos in ACORN offices in five different U.S. cities. For instance, in one video an ACORN counselor in Baltimore suggests that the prostitute asking for advice on opening a brothel refer to herself as a "performing artist" on tax forms and declare more than a dozen underage girls from El Salvador as dependents to receive child tax credits. In another, an ACORN counselor in Brooklyn advises that, “Honesty is not going to get you the house,” and instructs the pimp and prostitute to hide their earnings in a tin can in the backyard. And in Washington, D.C., yet another counselor offers more unsound advice: “You're not saying what it is that she does; she just provides a service, regardless of what it is… She's not going to put on there that she's doing prostitution… when the police ask you, you don't know where it's coming from, is what we're trying to tell you… We're looking out for you.”
There is no excuse for such unethical behavior and lack of professionalism in an organization which has received more than $53 million in direct taxpayer funding since 1994 and countless millions more through its continuing partnership with banks across the country working to fulfill their federally-mandated CRA obligations. Again, I urge the FFEIC to issue clear guidance that prohibits banks from receiving CRA credit for donating to or partnering with ACORN.
Thank you for your consideration of this request and I look forward to hearing from you. Please don’t hesitate to contact me should you have any questions.
Sincerely,
Michele Bachmann
Member of Congress
cc:The Honorable Ben Bernanke, Chairman, Federal Reserve Board
The Honorable John Dugan, Comptroller, Office of the Comptroller of the Currency
Mr. John E. Bowman, Acting Director, Office of Thrift Supervision
The Importance of Free and Fair Trade to Our Economic Recovery
On Friday, the Heritage Foundation published a piece I wrote about the importance of free and fair trade to our economic recovery. I also stressed the importance of Congress reassessing its fiscal priorities at home in order to maintain a trade balance that is beneficial to American manufacturing and agricultural industries.
Each day in Minnesota and all across the nation, billions of dollars worth of products begin their journey to be sold overseas. American farmers, manufacturers, and businesses rely on exports to strengthen and grow both their bottom line, as well as our economy’s.
Free and fair trade agreements help spur economic growth; improve efficiency and innovation; create better, higher-paying jobs for hard-working Americans; and increase the availability of lower-priced products here in the United States.
Furthermore, the role of free trade as an expression of liberty and opportunity for all individuals signifies the very principles our country was founded upon. Yet, the free trade agreements with Panama, South Korea and Colombia negotiated under the Bush Administration remain little more than words on paper. Despite having been carefully negotiated over a period of two and half years, these agreements have become bogged down by partisan divides. In the meantime, with an average tariff of 53% imposed on U.S. agricultural products by South Korea last year, for example, there is little wonder the United States International Trade Commission estimates U.S. sales of agricultural products could increase by as much as $3.8 billion once the U.S.–South Korea agreement is fully implemented.
And while Congressional leaders seem content to leave these agreements on the back burner, America’s fragile industries are left hanging in the balance. The impact of depressed exports is fully evident to those who make their livelihood from them. In fact, Minnesota’s manufacturing exports experienced a 19% decline during the first quarter of 2009, mirroring a similar decrease nationwide. And our agricultural sector, especially our ailing pork and dairy producers, certainly needs no reminder of the importance of expanded export channels to the survival of their farms.
Unfortunately, the closest we get to good news on trade these days is that the trade deficit, which reached $840 billion last year, may at least be plateau-ing. However, while the deficit seems to have steadied, at least temporarily, it is more the result of a sharper reduction in imports than of a steep rise in exports. Regardless, as one economist recently summarized, “the trade picture from the United States is cloudy right now.”
In part this is due to Washington’s complete inability to exercise fiscal responsibility. As reported yesterday in the Christian Science Monitor:
Since 2002, as China’s exports ramped up, the US trade gap has surged into what some economists see as a danger zone – a size greater than 5 percent of America’s gross domestic product. That’s way beyond where it was in the 1980s and ‘90s
One cause for the trade gap is US financial habits. High federal budget deficits and consumer debt mean that America is forcing itself to borrow overseas – and in effect that means imports must outrun exports. The danger is that other nations will become wary of lending so much, and a messy collapse of the dollar or a spike in US interest rates could result.
The Monitor continued:
Beyond the gigantic trade deficit, some economists worry most that the overseas migration of America’s manufacturing base is reaching a crisis level.The US is now running trade deficits in advanced-technology products such as computers – a trend that began in 2002. In a few years, Chinese firms expect to export cars to the US. Even America’s longstanding leadership in aerospace and semiconductors is at risk, says economist Charles McMillion of MGB Information Services, in a new report for the US-China Economic and Security Review Commission.
Americans faced worries about economic decline before, a quarter-century ago. One big difference today: US government debt has ballooned, is on pace to keep growing, and is held in large part by foreign governments and investors.“The US then was the world’s banker, and now we’re the world’s debtor,” Mr. McMillion says.
A degree of debt is not a problem, but many economists see current trends as unsustainable.
Looking to the future, I believe Americans deserve opportunities to sustain their productivity, access new customers, and grow their markets overseas. From the small rural farmer to the urban industrial manufacturer, free and fair trade accommodates expansion of production, while ensuring consumers have access to high-quality, competitively priced goods and services.
Congress needs to reset its priorities, spending less money at home and spending more time on approving strong trade agreements with our overseas partners.
Bachmann Office Coming to a Town Near You
My staff regularly holds Mobile Office Hours at locations all across the district. These are opportunities for you to come meet one on one with someone from my office who is trained to be your liaison with federal agencies. Please bring copies of any paperwork that you might have with you when you visit. Particularly, if you are having a problem with a federal benefit or program and have letters or documents that might help my staff get answers for you quickly.
Should you have any questions or concerns, however, you can always stop by one of my district offices between 9:00 am and 5:00 pm to talk to my staff as well.
Woodbury Waite Park
6043 Hudson Road 110 2nd Street South Suite 330
Suite 232 Woodbury, MN 55125 Waite Park, MN 56387
651-731-5400 320-253-5931
You can find a complete schedule of my Mobile Office Hours on my website at: http://www.bachmann.house.gov/ConstituentServices/mobileofficehours.htm.
This week, my office will be in the following locations:
Tuesday, October 20th
10:00 am to noon
Anoka County Library, Johnsville Branch
12461 Oak Park Boulevard, Blaine
Tuesday, October 20th
1:00 pm to 3:00 pm
Rum River Library
4201 6th Avenue, Anoka
And, please take a moment to visit my website (www.bachmann.house.gov)and sign up for my regular telephone town halls as well. That technology allows you to speak with me from the comfort of your own home. You’ll get an update on what Congress is doing that might impact you and have the opportunity to ask me a question about what’s on your mind.
A review of the FFIEC’s CRA website, which displays links to CRA ratings and Performance Evaluations (PEs) conducted by banking examiners reveals a list of banks that have used ACORN partnerships to comply with CRA mandates. For example, Citizens Bank of Massachusetts “offers an affordable mortgage program through ACORN for low-and moderate-income homebuyers with below market rates, expanded ratios, and a low downpayment requirement.” And, last week, the AP reported that in 2003 JP Morgan Chase gave ACORN a $5 million grant.
Bank of America, which has been one of ACORN’s biggest corporate contributors, including a $2 million donation to ACORN Housing Corporation in Chicago, recently announced it would terminate its donations to ACORN given the recent headlines. And, its long past time that the government stop encouraging this flow of money into an organization that has demonstrated a pervasive culture of corruption.
The full text of my letter is below:
The Honorable Sheila Bair
Federal Deposit Insurance Corporation (FDIC)
1776 F St., NW
Washington, DC 20006
Dear Chairman Bair,
I am writing to you in your capacity as Chairman of the Federal Financial Institutions Examination Council (FFIEC) to request a thorough examination of the role ACORN plays in helping banks satisfy their Community Reinvestment Act (CRA) obligations. As you know, ACORN has earned a reputation with the public for extremely poor systemic controls that have led to persistent unethical behavior and repeated disregard for voter registration and other federal and state laws. Recent videos showing ACORN employees giving advice on how to set up a prostitution ring as a legal enterprise by violating tax and immigration laws and abusing government housing grants have demonstrated ACORN’s flagrant abuse of the public trust and complete disrespect for the law.
In response to such inappropriate behavior, the Census Bureau cut its ties with the organization last month and the IRS announced it would no longer partner with ACORN through its tax assistance program. Congress also took steps toward prohibiting ACORN from accessing federal tax dollars – a policy which I believe should be implemented immediately. However, more can and should be done to curb the illegal activities of ACORN and hold the organization accountable for the unethical behavior it encourages.
As Chairman of the FFIEC, I urge you and your fellow council members to conduct a thorough examination of this issue and prohibit financial institutions from receiving CRA credit by donating to or partnering with ACORN or any of its affiliates. A quick search through the FFIEC’s CRA website, which displays links to CRA Ratings and Performance Evaluations (PE) conducted by banking examiners, shows that many banks across the nation have donated to or partnered with ACORN in an effort to comply with CRA mandates. This includes banks regulated by the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board (FRB), the Office of the Comptroller of the Currency (OCC), and the Office of Thrift Supervision (OTS).
For example, according to the FDIC’s CRA Ratings database, Citizens Bank of Massachusetts “offers an affordable mortgage program through ACORN for low- and moderate-income homebuyers with below market rates, expanded ratios, and a low downpayment requirement.” Northeast Bank in Minnesota “donated $2,000 to ACORN,” Independence Community Bank “provided grants to the New York City Office of the ACORN Housing Corporation,” and New York Community Bank “participated as a co-sponsor of the Bank Fair hosted by New Jersey ACORN.”
These donations and partnerships are not only in full compliance with current and proposed FFIEC guidance, they are clearly encouraged by CRA. The Federal Register containing Interagency Questions and Answers about CRA and published by the FFIEC states, “Examples of qualified investments include, but are not limited to, investments, grants, deposits, or shares in or to… Not-for-profit organizations serving low- and moderate-income housing or other community development needs, such as counseling for credit, homeownership, home maintenance, and other financial literacy programs.”
ACORN Housing’s website proclaims that it “provides one-on-one mortgage loan counseling, first-time homebuyer classes, and helps clients obtain affordable mortgages through [its] unique lending partnerships.”
But in light of the many examples of disregard for the law and public trust, the time has clearly come for a reexamination of the relationship that these rules encourage banks to have with ACORN. ACORN employees are clearly incapable of offering reliable, let alone legal, financial counseling as illustrated by the undercover videos in ACORN offices in five different U.S. cities. For instance, in one video an ACORN counselor in Baltimore suggests that the prostitute asking for advice on opening a brothel refer to herself as a "performing artist" on tax forms and declare more than a dozen underage girls from El Salvador as dependents to receive child tax credits. In another, an ACORN counselor in Brooklyn advises that, “Honesty is not going to get you the house,” and instructs the pimp and prostitute to hide their earnings in a tin can in the backyard. And in Washington, D.C., yet another counselor offers more unsound advice: “You're not saying what it is that she does; she just provides a service, regardless of what it is… She's not going to put on there that she's doing prostitution… when the police ask you, you don't know where it's coming from, is what we're trying to tell you… We're looking out for you.”
There is no excuse for such unethical behavior and lack of professionalism in an organization which has received more than $53 million in direct taxpayer funding since 1994 and countless millions more through its continuing partnership with banks across the country working to fulfill their federally-mandated CRA obligations. Again, I urge the FFEIC to issue clear guidance that prohibits banks from receiving CRA credit for donating to or partnering with ACORN.
Thank you for your consideration of this request and I look forward to hearing from you. Please don’t hesitate to contact me should you have any questions.
Sincerely,
Michele Bachmann
Member of Congress
cc:The Honorable Ben Bernanke, Chairman, Federal Reserve Board
The Honorable John Dugan, Comptroller, Office of the Comptroller of the Currency
Mr. John E. Bowman, Acting Director, Office of Thrift Supervision
The Importance of Free and Fair Trade to Our Economic Recovery
On Friday, the Heritage Foundation published a piece I wrote about the importance of free and fair trade to our economic recovery. I also stressed the importance of Congress reassessing its fiscal priorities at home in order to maintain a trade balance that is beneficial to American manufacturing and agricultural industries.
Each day in Minnesota and all across the nation, billions of dollars worth of products begin their journey to be sold overseas. American farmers, manufacturers, and businesses rely on exports to strengthen and grow both their bottom line, as well as our economy’s.
Free and fair trade agreements help spur economic growth; improve efficiency and innovation; create better, higher-paying jobs for hard-working Americans; and increase the availability of lower-priced products here in the United States.
Furthermore, the role of free trade as an expression of liberty and opportunity for all individuals signifies the very principles our country was founded upon. Yet, the free trade agreements with Panama, South Korea and Colombia negotiated under the Bush Administration remain little more than words on paper. Despite having been carefully negotiated over a period of two and half years, these agreements have become bogged down by partisan divides. In the meantime, with an average tariff of 53% imposed on U.S. agricultural products by South Korea last year, for example, there is little wonder the United States International Trade Commission estimates U.S. sales of agricultural products could increase by as much as $3.8 billion once the U.S.–South Korea agreement is fully implemented.
And while Congressional leaders seem content to leave these agreements on the back burner, America’s fragile industries are left hanging in the balance. The impact of depressed exports is fully evident to those who make their livelihood from them. In fact, Minnesota’s manufacturing exports experienced a 19% decline during the first quarter of 2009, mirroring a similar decrease nationwide. And our agricultural sector, especially our ailing pork and dairy producers, certainly needs no reminder of the importance of expanded export channels to the survival of their farms.
Unfortunately, the closest we get to good news on trade these days is that the trade deficit, which reached $840 billion last year, may at least be plateau-ing. However, while the deficit seems to have steadied, at least temporarily, it is more the result of a sharper reduction in imports than of a steep rise in exports. Regardless, as one economist recently summarized, “the trade picture from the United States is cloudy right now.”
In part this is due to Washington’s complete inability to exercise fiscal responsibility. As reported yesterday in the Christian Science Monitor:
Since 2002, as China’s exports ramped up, the US trade gap has surged into what some economists see as a danger zone – a size greater than 5 percent of America’s gross domestic product. That’s way beyond where it was in the 1980s and ‘90s
One cause for the trade gap is US financial habits. High federal budget deficits and consumer debt mean that America is forcing itself to borrow overseas – and in effect that means imports must outrun exports. The danger is that other nations will become wary of lending so much, and a messy collapse of the dollar or a spike in US interest rates could result.
The Monitor continued:
Beyond the gigantic trade deficit, some economists worry most that the overseas migration of America’s manufacturing base is reaching a crisis level.The US is now running trade deficits in advanced-technology products such as computers – a trend that began in 2002. In a few years, Chinese firms expect to export cars to the US. Even America’s longstanding leadership in aerospace and semiconductors is at risk, says economist Charles McMillion of MGB Information Services, in a new report for the US-China Economic and Security Review Commission.
Americans faced worries about economic decline before, a quarter-century ago. One big difference today: US government debt has ballooned, is on pace to keep growing, and is held in large part by foreign governments and investors.“The US then was the world’s banker, and now we’re the world’s debtor,” Mr. McMillion says.
A degree of debt is not a problem, but many economists see current trends as unsustainable.
Looking to the future, I believe Americans deserve opportunities to sustain their productivity, access new customers, and grow their markets overseas. From the small rural farmer to the urban industrial manufacturer, free and fair trade accommodates expansion of production, while ensuring consumers have access to high-quality, competitively priced goods and services.
Congress needs to reset its priorities, spending less money at home and spending more time on approving strong trade agreements with our overseas partners.
Bachmann Office Coming to a Town Near You
My staff regularly holds Mobile Office Hours at locations all across the district. These are opportunities for you to come meet one on one with someone from my office who is trained to be your liaison with federal agencies. Please bring copies of any paperwork that you might have with you when you visit. Particularly, if you are having a problem with a federal benefit or program and have letters or documents that might help my staff get answers for you quickly.
Should you have any questions or concerns, however, you can always stop by one of my district offices between 9:00 am and 5:00 pm to talk to my staff as well.
Woodbury Waite Park
6043 Hudson Road 110 2nd Street South Suite 330
Suite 232 Woodbury, MN 55125 Waite Park, MN 56387
651-731-5400 320-253-5931
You can find a complete schedule of my Mobile Office Hours on my website at: http://www.bachmann.house.gov/ConstituentServices/mobileofficehours.htm.
This week, my office will be in the following locations:
Tuesday, October 20th
10:00 am to noon
Anoka County Library, Johnsville Branch
12461 Oak Park Boulevard, Blaine
Tuesday, October 20th
1:00 pm to 3:00 pm
Rum River Library
4201 6th Avenue, Anoka
And, please take a moment to visit my website (www.bachmann.house.gov)and sign up for my regular telephone town halls as well. That technology allows you to speak with me from the comfort of your own home. You’ll get an update on what Congress is doing that might impact you and have the opportunity to ask me a question about what’s on your mind.
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