Federal banking regulators recently put out some fresh signals that they are listening to the lending community and want to collaborate with the new Consumer Financial Protection Bureau to better harmonize their regulatory, supervisory and examination requirements and procedures to help lower the compliance load for lending institutions. Our dealings with the CFPB over the last several months have focused on consumer complaints and policy and exam coordination, John Walsh, acting comptroller of the currency, told members of the Senate Banking, Housing and Urban Affairs Committee during a recent hearing. The CFPB currently has in process several rulemakings where interagency consultation will be critical, and we are working on a consultation agreement that will provide the prudential regulators with reasonable time to review, discuss and comment on CFPB rulemakings, he added.