The federal banking agencies have made it clear that they are going to be reasonable and flexible. Nobody is going to bop anybody over the head for trying to be reasonable and flexible.

They do a great job down there. Their people are great, their facilities are great and we love coming there.

Of course, we are not asking anyone to do anything that would prevent the provision of aid or even the opening of an account when people are in such a desperate situation. We clearly understand the situation that is a result of the hurricanes and we're going to be reasonable and flexible.

Forcing people not to panhandle is taking away their rights. It's not American.

We believe that these changes will make the exemptions more effective while still ensuring that currency transaction reporting information critical to identifying criminal financial activity is made available to law enforcement.