Thank you for the opportunity to again address this group, which has played such an important role encouraging diversity, and a diversity of perspectives, in housing and finance. I gave my first speech to Women in Housing and Finance almost 30 years ago. You've been kind enough to invite me back in each of my tours of duty in public service since then, and throughout that time you have been an exemplar of the adage that diversity is the art of thinking independently together. Today, I'd like to talk to you about how banking regulation and supervision is adjusting to the unprecedented economic challenges posed by the ... (full story)