My issue is not with the intent of the legislation, as I recognize that there are significant differences in the way a community bank operates which lessens the systemic Rick associated with their mortgage originations. My concern is the $25 billion threshold the bill sets. According to the Federal Reserve’s most recently available information on Large Commercial Banks (banks with $300 million plus in consolidated assets; as of June 30, 2017), this would only exclude 52 of the 1813 banks on the list. While this doesn’t include data from credit unions, it seems to me that this legislation isn’t actually aimed at community banks. A threshold in the range of $1-$3 billion is more appropriate in my opinion.