With Comptroller of the Currency Joseph Otting. If you’ve never heard of the Comptroller before, he essentially is the head of all banking in the U.S. Our meeting was to discuss the changes coming to the Community Reinvestment Act (CRA) and give our feedback on what’s working and not working from the grassroots level. If you’ve never heard of CRA, it was enacted by Congress in 1977 and is intended to encourage depository institutions like banks to help meet the credit needs of the communities they serve. Mr. Otting was very open to feedback and also seems to have a strong understanding of some of the same shortcomings we see. We look forward to working with him after his organization releases his first draft for new CRA guidelines later this month!