Comment Submitted by Warren Post, Bank of Ruston

Being a Savings bank under the OCC with less than $500 million in assets, we are scrutinized closely. We currently deal with enough regulation when doing not only FHA but also, conventional, VA and Rural Development loans. Since our call report is the official and legal reporting document for our industry, the standards employed to produce that document should be sufficient for supervised lenders. I am in favor of allowing supervised institutions to provide the call report for HUD to satisfy reporting requirments.