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ALL sectors are 2 DECADES BEHIND in Technology and WHY ALL THE .

The WORLD SAT ON HANDS for 20 YEARS While all BANKERS YOUR CRANDCHILDRENS' GRANDCHILDRENS' in !!??

and in the 21st (EventID=115290) | On Wednesday, February 8, 2022, at 10:00 a.m. (ET) on Financial Institutions and Chair Barr and Subcommittee Ranking Member Foster will host a hearing entitled, “Revamping and Revitalizing Banking in the 21st Century."

Witnesses for this one-panel hearing will be:

• Mr. Jim Reuter, Chief Executive Officer, FirstBank, on behalf of the American Bankers Association
• Ms. Penny Lee, Chief Executive Officer, Financial Technology Association
• Mr. John Berlau, Senior Fellow and Director of Finance Policy, Competitive Enterprise Institute
• Mr. Brian Knight, Senior Research Fellow, Director of Innovation and Governance, Mercatus Center at George Mason University

The hearing will examine areas where banking regulations can be updated to align with existing and emerging technologies; the consumer data privacy and breach notification frameworks; barriers to entry for de novo banks and impacts on competition in community banking; and increasing lack of transparency and accountability in bank regulation and supervision.

In its latest Survey of Unbanked and Underbanked Households, the FDIC reports that in 2021 only 4.5% of U.S. households were unbanked, down nearly halfway from the historical high of 8.2% in 2011. While positive, there are still challenges in reaching unbanked households with interest in having a bank account.

Increasing access to mainstream financial services, consumer credit for households, and commercial credit for small businesses is best accomplished by increasing competition between financial firms and for addressing obstacles to forming de novo banks. Updating financial regulations to match Americans’ needs and the technological era we live in is imperative to increasing financial access, fostering growth, and creating opportunity for all Americans.

As consumers interact with an increasing number of new technologies, more of consumers’ data is being collected and shared than ever before. It is time for Congress to reexamine the data privacy protections in GLBA to ensure that consumers’ sensitive financial information is being protected, while allowing innovation that serves consumers to continue.

Legislative Proposals

The bills outlined below will be discussed during the hearing:

H.R. , the Financial Data Privacy Bill
This bill amends the Gramm-Leach-Bliley Act to include a number of additional consumer protections, including (i) empowering consumers to understand how their data is being collected and used by service providers, (ii) giving consumers the right to terminate the collection or their data, including requesting of deletion of data records at any time, (iii) requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function, (iv) mandating more transparent and easily understandable privacy terms and conditions, and (v) providing for national preemption to generate a single national standard.

H.R. , the Promoting Access to Capital in Underbanked Communities Act
This bill seeks to increase de novo bank formations through a reduction in burdensome initial capital requirements and restrictions. Specifically, the bill would provide for a 3-year phase-in period for de novo financial institutions to meet federal capital requirements, lower the Community Bank Leverage Ratio (CBLR) for rural community banks to 8 percent from 8.5 percent during the first three years of operations, and require the federal banking agencies to promulgate rules setting the CBLR lower for the first two years of operations to allow for a phase-in period. The bill additionally removes some restrictions to allow federal savings associations to deal in agricultural loans and requires the federal banking agencies to conduct a joint study on trends in de novo financial institutions.

H.R. , the Bank Service Company Examination Coordination Act
This bill requires the coordination of state banking agencies and federal banking agencies in regulating and examining the activities of bank service companies. This bill allows for the sharing of information related to examinations and regulations between federal and state agencies and additionally requires that state and federal agencies coordinate and avoid duplicative examination activities, reporting requirements, and requests for information.

H.R. , the Promoting New and Diverse Depository Institutions Act...

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The world’s first customer delivery of produced without using is taking place in , according to its manufacturer.

The Swedish venture Hybrit said it was delivering the steel to truck-maker AB as a trial run before full commercial production in 2026. Volvo has said it will start production in 2021 of prototype vehicles and components from the green steel.

Steel production using coal accounts for around 8% of global greenhouse gas emissions. started test operations at its pilot plant for green steel in Lulea, northern Sweden, a year ago. It aims to replace coking coal, traditionally needed for ore-based steel making, with and hydrogen. is a key part of the ’s plan to reach greenhouse gas by 2050.

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Good World! | DONT PLAY!;) Moral of the Story? Never A !

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Official video of Billy Idol performing Rebel Yell from the album Rebel Yell. Buy It Here: smarturl.it/seyqyn
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Official Website: billyidol.net/

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?: Group launches WORLDS’s FIRST VEHICLE using . Volvo Group reveals the first vehicle made of fossil-free steel from in a partnership for green transition.

A true world’s first in sustainable collaboration, Green Steel is a step toward Volvo Group’s ambition for and .

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Shooter prowls hall with AN before six people (.. 3 )

All suffer from (MAJOR ) that they cannot control, satisfy or from --without proper treatment by a .

And UNFORTUNATELY we have NONE of those since all mental illness was kicked to the curbside in the 80's - 90'S because of INEPT .

was removed for the (Manual of Mental Disorders) IN 1973!!?

See below:

"In 1973, the American Psychiatric Association () removed the diagnosis of “homosexuality” from the second edition of its Diagnostic and Statistical Manual ()".

ncbi.nlm.nih.gov/pmc/articles/

When Being a
psychologytoday.com/us/blog/hi

All Doctors are complicit and ALL Doctors licenses need to be REVOKED! ASAP! Including all and Medical Doctors (MD's) due to USA of 1 million deaths.

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Nashville shooting: Police body-cam of moment Audrey Hale is cornered in school | 1,690,932 views Mar 28, 2023 Nashville police have released footage of the moment they opened fire on church school shooter Audrey Hale in the middle of her deadly attack.

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| DON'T INNOCENT CHRISTIAN !

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Shooter prowls hall with AN before six people (.. 3 )

All suffer from (MAJOR ) that they cannot control, satisfy or from --without proper treatment by a .

And UNFORTUNATELY we have NONE of those since all mental illness was kicked to the curbside in the 80's - 90'S because of INEPT .

was removed for the (Manual of Mental Disorders) IN 1973!!?

See below:

"In 1973, the American Psychiatric Association () removed the diagnosis of “homosexuality” from the second edition of its Diagnostic and Statistical Manual ()".

ncbi.nlm.nih.gov/pmc/articles/

When Being a
psychologytoday.com/us/blog/hi

All Doctors are complicit and ALL Doctors licenses need to be REVOKED! ASAP! Including all and Medical Doctors (MD's) due to USA of 1 million deaths.

YOU ARE ALL COMPLETE Failures!! ! All YOUR licenses NEED TO BE REVOKED!! YOU YOUR TO ANYWHERE ! long ago..

TRANS_SEXUAL KILLER Vid Here:
youtu.be/jZMLh8tn7Vw

Nashville shooting: Police body-cam of moment Audrey Hale is cornered in school | 1,690,932 views Mar 28, 2023 Nashville police have released footage of the moment they opened fire on church school shooter Audrey Hale in the middle of her deadly attack.

Vid here
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| DON'T INNOCENT CHRISTIAN !

& INNOCENT !

Shooter prowls hall with AN before six people (.. 3 )

All suffer from (MAJOR ) that they cannot control, satisfy or from --without proper treatment by a .

And UNFORTUNATELY we have NONE of those since all mental illness was kicked to the curbside in the 80's - 90'S because of INEPT .

was removed for the (Manual of Mental Disorders) IN 1973!!?

See below:

"In 1973, the American Psychiatric Association () removed the diagnosis of “homosexuality” from the second edition of its Diagnostic and Statistical Manual ()".

ncbi.nlm.nih.gov/pmc/articles/

When Being a
psychologytoday.com/us/blog/hi

All Doctors are complicit and ALL Doctors licenses need to be REVOKED! ASAP! Including all and Medical Doctors (MD's) due to USA of 1 million deaths.

YOU ARE ALL COMPLETE Failures!! ! All YOUR licenses NEED TO BE REVOKED!! YOU YOUR TO ANYWHERE ! long ago..

TRANS_SEXUAL KILLER Vid Here:
youtu.be/jZMLh8tn7Vw

Nashville shooting: Police body-cam of moment Audrey Hale is cornered in school | 1,690,932 views Mar 28, 2023 Nashville police have released footage of the moment they opened fire on church school shooter Audrey Hale in the middle of her deadly attack.

Vid here
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| DON'T INNOCENT CHRISTIAN !

& INNOCENT !

Shooter prowls hall with AN before six people (.. 3 )

All suffer from (MAJOR ) that they cannot control, satisfy or from --without proper treatment by a .

And UNFORTUNATELY we have NONE of those since all mental illness was kicked to the curbside in the 80's - 90'S because of INEPT .

was removed for the (Manual of Mental Disorders) IN 1973!!?

See below:

"In 1973, the American Psychiatric Association () removed the diagnosis of “homosexuality” from the second edition of its Diagnostic and Statistical Manual ()".

ncbi.nlm.nih.gov/pmc/articles/

When Being a
psychologytoday.com/us/blog/hi

All Doctors are complicit and ALL Doctors licenses need to be REVOKED! ASAP! Including all and Medical Doctors (MD's) due to USA of 1 million deaths.

YOU ARE ALL COMPLETE Failures!! ! All YOUR licenses NEED TO BE REVOKED!! YOU YOUR TO ANYWHERE ! long ago..

TRANS_SEXUAL KILLER Vid Here:
youtu.be/jZMLh8tn7Vw

Nashville shooting: Police body-cam of moment Audrey Hale is cornered in school | 1,690,932 views Mar 28, 2023 Nashville police have released footage of the moment they opened fire on church school shooter Audrey Hale in the middle of her deadly attack.

Vid here
youtu.be/ekqOhHLE0b0

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| DON'T INNOCENT CHRISTIAN !

& INNOCENT !

Shooter prowls hall with AN before six people (.. 3 )

All suffer from (MAJOR ) that they cannot control, satisfy or from --without proper treatment by a .

And UNFORTUNATELY we have NONE of those since all mental illness was kicked to the curbside in the 80's - 90'S because of INEPT .

was removed for the (Manual of Mental Disorders) IN 1973!!?

See below:

"In 1973, the American Psychiatric Association () removed the diagnosis of “homosexuality” from the second edition of its Diagnostic and Statistical Manual ()".

ncbi.nlm.nih.gov/pmc/articles/

When Being a
psychologytoday.com/us/blog/hi

All Doctors are complicit and ALL Doctors licenses need to be REVOKED! ASAP! Including all and Medical Doctors (MD's) due to USA of 1 million deaths.

YOU ARE ALL COMPLETE Failures!! ! All YOUR licenses NEED TO BE REVOKED!! YOU YOUR TO ANYWHERE ! long ago..

TRANS_SEXUAL KILLER Vid Here:
youtu.be/jZMLh8tn7Vw

Nashville shooting: Police body-cam of moment Audrey Hale is cornered in school | 1,690,932 views Mar 28, 2023 Nashville police have released footage of the moment they opened fire on church school shooter Audrey Hale in the middle of her deadly attack.

Vid here
youtu.be/ekqOhHLE0b0

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| DON'T INNOCENT CHRISTIAN !

& INNOCENT !

Shooter prowls hall with AN before six people (.. 3 )

All suffer from (MAJOR ) that they cannot control, satisfy or from --without proper treatment by a .

And UNFORTUNATELY we have NONE of those since all mental illness was kicked to the curbside in the 80's - 90'S because of INEPT .

was removed for the (Manual of Mental Disorders) IN 1973!!?

See below:

"In 1973, the American Psychiatric Association () removed the diagnosis of “homosexuality” from the second edition of its Diagnostic and Statistical Manual ()".

ncbi.nlm.nih.gov/pmc/articles/

When Being a
psychologytoday.com/us/blog/hi

All Doctors are complicit and ALL Doctors licenses need to be REVOKED! ASAP! Including all and Medical Doctors (MD's) due to USA of 1 million deaths.

YOU ARE ALL COMPLETE Failures!! ! All YOUR licenses NEED TO BE REVOKED!! YOU YOUR TO ANYWHERE ! long ago..

TRANS_SEXUAL KILLER Vid Here:
youtu.be/jZMLh8tn7Vw

Nashville shooting: Police body-cam of moment Audrey Hale is cornered in school | 1,690,932 views Mar 28, 2023 Nashville police have released footage of the moment they opened fire on church school shooter Audrey Hale in the middle of her deadly attack.

Vid here
youtu.be/ekqOhHLE0b0

JOBS FOR ALL WORLDWIDE!

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| DON'T INNOCENT CHRISTIAN !

& INNOCENT !

Shooter prowls hall with AN before six people (.. 3 )

All suffer from (MAJOR ) that they cannot control, satisfy or from --without proper treatment by a .

And UNFORTUNATELY we have NONE of those since all mental illness was kicked to the curbside in the 80's - 90'S because of INEPT .

was removed for the (Manual of Mental Disorders) IN 1973!!?

See below:

"In 1973, the American Psychiatric Association () removed the diagnosis of “homosexuality” from the second edition of its Diagnostic and Statistical Manual ()".

ncbi.nlm.nih.gov/pmc/articles/

When Being a
psychologytoday.com/us/blog/hi

All Doctors are complicit and ALL Doctors licenses need to be REVOKED! ASAP! Including all and Medical Doctors (MD's) due to USA of 1 million deaths.

YOU ARE ALL COMPLETE Failures!! ! All YOUR licenses NEED TO BE REVOKED!! YOU YOUR TO ANYWHERE ! long ago..

TRANS_SEXUAL KILLER Vid Here:
youtu.be/jZMLh8tn7Vw

Nashville shooting: Police body-cam of moment Audrey Hale is cornered in school | 1,690,932 views Mar 28, 2023 Nashville police have released footage of the moment they opened fire on church school shooter Audrey Hale in the middle of her deadly attack.

Vid here
youtu.be/ekqOhHLE0b0

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| DON'T INNOCENT CHRISTIAN !

& INNOCENT !

Shooter prowls hall with AN before six people (.. 3 )

All suffer from (MAJOR ) that they cannot control, satisfy or from --without proper treatment by a .

And UNFORTUNATELY we have NONE of those since all mental illness was kicked to the curbside in the 80's - 90'S because of INEPT .

was removed for the (Manual of Mental Disorders) IN 1973!!?

See below:

"In 1973, the American Psychiatric Association () removed the diagnosis of “homosexuality” from the second edition of its Diagnostic and Statistical Manual ()".

ncbi.nlm.nih.gov/pmc/articles/

When Being a
psychologytoday.com/us/blog/hi

All Doctors are complicit and ALL Doctors licenses need to be REVOKED! ASAP! Including all and Medical Doctors (MD's) due to USA of 1 million deaths.

YOU ARE ALL COMPLETE Failures!! ! All YOUR licenses NEED TO BE REVOKED!! YOU YOUR TO ANYWHERE ! long ago..

TRANS_SEXUAL KILLER Vid Here:
youtu.be/jZMLh8tn7Vw

Nashville shooting: Police body-cam of moment Audrey Hale is cornered in school | 1,690,932 views Mar 28, 2023 Nashville police have released footage of the moment they opened fire on church school shooter Audrey Hale in the middle of her deadly attack.

Vid here
youtu.be/ekqOhHLE0b0

JOBS FOR ALL WORLDWIDE!

CONNECT Today for EARLY . TastingTraffic LAUNCHING SOON! WELCOME TO THE FUTURE OF ADVERTISING! | If it Tastes Good, You Gotta LOVE IT! (Patent Pending). Upon launch all will be notified.

JOIN TODAY: Come visit one of the 1ST DECENTRALIZED SOCIAL NETWORK ON THE PLANET. https:/WithBrains.com/@DavidV

* Software Architect (PhD) Supervisor
* 25 Years EXPERT BLACK BOX TESTER
* Founder of SEO (Search Engine Optimization)
* Founder of RTB (Real Time Bidding)
* Founder of HFT (High Frequency Trading)

Withbrains.com/@Davidv ® (Decentralized SOCIAL Network | Signup for Early Invite);
TastingTraffic.net ® ();
JustBlameWayne.com ® (Just Blame Wayne & Post it);
Davidv.TV ® (Big Faith | Christianity RAW 101) are not affiliates of this provider or referenced images used. This is NOT an endorsement OR Sponsored (Paid) Promotion/Reshare.

0
TastingTraffic Social®

| DON'T INNOCENT CHRISTIAN !

& INNOCENT !

Shooter prowls hall with AN before six people (.. 3 )

All suffer from (MAJOR ) that they cannot control, satisfy or from --without proper treatment by a .

And UNFORTUNATELY we have NONE of those since all mental illness was kicked to the curbside in the 80's - 90'S because of INEPT .

was removed for the (Manual of Mental Disorders) IN 1973!!?

See below:

"In 1973, the American Psychiatric Association () removed the diagnosis of “homosexuality” from the second edition of its Diagnostic and Statistical Manual ()".

ncbi.nlm.nih.gov/pmc/articles/

When Being a
psychologytoday.com/us/blog/hi

All Doctors are complicit and ALL Doctors licenses need to be REVOKED! ASAP! Including all and Medical Doctors (MD's) due to USA of 1 million deaths.

YOU ARE ALL COMPLETE Failures!! ! All YOUR licenses NEED TO BE REVOKED!! YOU YOUR TO ANYWHERE ! long ago..

TRANS_SEXUAL KILLER Vid Here:
youtu.be/jZMLh8tn7Vw

Nashville shooting: Police body-cam of moment Audrey Hale is cornered in school | 1,690,932 views Mar 28, 2023 Nashville police have released footage of the moment they opened fire on church school shooter Audrey Hale in the middle of her deadly attack.

Vid here
youtu.be/ekqOhHLE0b0

JOBS FOR ALL WORLDWIDE!

CONNECT Today for EARLY . TastingTraffic LAUNCHING SOON! WELCOME TO THE FUTURE OF ADVERTISING! | If it Tastes Good, You Gotta LOVE IT! (Patent Pending). Upon launch all will be notified.

JOIN TODAY: Come visit one of the 1ST DECENTRALIZED SOCIAL NETWORK ON THE PLANET. https:/WithBrains.com/@DavidV

* Software Architect (PhD) Supervisor
* 25 Years EXPERT BLACK BOX TESTER
* Founder of SEO (Search Engine Optimization)
* Founder of RTB (Real Time Bidding)
* Founder of HFT (High Frequency Trading)

Withbrains.com/@Davidv ® (Decentralized SOCIAL Network | Signup for Early Invite);
TastingTraffic.net ® ();
JustBlameWayne.com ® (Just Blame Wayne & Post it);
Davidv.TV ® (Big Faith | Christianity RAW 101) are not affiliates of this provider or referenced images used. This is NOT an endorsement OR Sponsored (Paid) Promotion/Reshare.

0
TastingTraffic Social®

| DON'T INNOCENT CHRISTIAN !

& INNOCENT !

Shooter prowls hall with AN before six people (.. 3 )

All suffer from (MAJOR ) that they cannot control, satisfy or from --without proper treatment by a .

And UNFORTUNATELY we have NONE of those since all mental illness was kicked to the curbside in the 80's - 90'S because of INEPT .

was removed for the (Manual of Mental Disorders) IN 1973!!?

See below:

"In 1973, the American Psychiatric Association () removed the diagnosis of “homosexuality” from the second edition of its Diagnostic and Statistical Manual ()".

ncbi.nlm.nih.gov/pmc/articles/

When Being a
psychologytoday.com/us/blog/hi

All Doctors are complicit and ALL Doctors licenses need to be REVOKED! ASAP! Including all and Medical Doctors (MD's) due to USA of 1 million deaths.

YOU ARE ALL COMPLETE Failures!! ! All YOUR licenses NEED TO BE REVOKED!! YOU YOUR TO ANYWHERE ! long ago..

TRANS_SEXUAL KILLER Vid Here:
youtu.be/jZMLh8tn7Vw

Nashville shooting: Police body-cam of moment Audrey Hale is cornered in school | 1,690,932 views Mar 28, 2023 Nashville police have released footage of the moment they opened fire on church school shooter Audrey Hale in the middle of her deadly attack.

Vid here
youtu.be/ekqOhHLE0b0

JOBS FOR ALL WORLDWIDE!

CONNECT Today for EARLY . TastingTraffic LAUNCHING SOON! WELCOME TO THE FUTURE OF ADVERTISING! | If it Tastes Good, You Gotta LOVE IT! (Patent Pending). Upon launch all will be notified.

JOIN TODAY: Come visit one of the 1ST DECENTRALIZED SOCIAL NETWORK ON THE PLANET. https:/WithBrains.com/@DavidV

* Software Architect (PhD) Supervisor
* 25 Years EXPERT BLACK BOX TESTER
* Founder of SEO (Search Engine Optimization)
* Founder of RTB (Real Time Bidding)
* Founder of HFT (High Frequency Trading)

Withbrains.com/@Davidv ® (Decentralized SOCIAL Network | Signup for Early Invite);
TastingTraffic.net ® ();
JustBlameWayne.com ® (Just Blame Wayne & Post it);
Davidv.TV ® (Big Faith | Christianity RAW 101) are not affiliates of this provider or referenced images used. This is NOT an endorsement OR Sponsored (Paid) Promotion/Reshare.

0
TastingTraffic Social®

| DON'T INNOCENT CHRISTIAN !

& INNOCENT !

Shooter prowls hall with AN before six people (.. 3 )

All suffer from (MAJOR ) that they cannot control, satisfy or from --without proper treatment by a .

And UNFORTUNATELY we have NONE of those since all mental illness was kicked to the curbside in the 80's - 90'S because of INEPT .

was removed for the (Manual of Mental Disorders) IN 1973!!?

See below:

"In 1973, the American Psychiatric Association () removed the diagnosis of “homosexuality” from the second edition of its Diagnostic and Statistical Manual ()".

ncbi.nlm.nih.gov/pmc/articles/

When Being a
psychologytoday.com/us/blog/hi

All Doctors are complicit and ALL Doctors licenses need to be REVOKED! ASAP! Including all and Medical Doctors (MD's) due to USA of 1 million deaths.

YOU ARE ALL COMPLETE Failures!! ! All YOUR licenses NEED TO BE REVOKED!! YOU YOUR TO ANYWHERE ! long ago..

TRANS_SEXUAL KILLER Vid Here:
youtu.be/jZMLh8tn7Vw

Nashville shooting: Police body-cam of moment Audrey Hale is cornered in school | 1,690,932 views Mar 28, 2023 Nashville police have released footage of the moment they opened fire on church school shooter Audrey Hale in the middle of her deadly attack.

Vid here
youtu.be/ekqOhHLE0b0

JOBS FOR ALL WORLDWIDE!

CONNECT Today for EARLY . TastingTraffic LAUNCHING SOON! WELCOME TO THE FUTURE OF ADVERTISING! | If it Tastes Good, You Gotta LOVE IT! (Patent Pending). Upon launch all will be notified.

JOIN TODAY: Come visit one of the 1ST DECENTRALIZED SOCIAL NETWORK ON THE PLANET. https:/WithBrains.com/@DavidV

* Software Architect (PhD) Supervisor
* 25 Years EXPERT BLACK BOX TESTER
* Founder of SEO (Search Engine Optimization)
* Founder of RTB (Real Time Bidding)
* Founder of HFT (High Frequency Trading)

Withbrains.com/@Davidv ® (Decentralized SOCIAL Network | Signup for Early Invite);
TastingTraffic.net ® ();
JustBlameWayne.com ® (Just Blame Wayne & Post it);
Davidv.TV ® (Big Faith | Christianity RAW 101) are not affiliates of this provider or referenced images used. This is NOT an endorsement OR Sponsored (Paid) Promotion/Reshare.

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