On Thursday, I had the opportunity to address the annual meeting of the Kansas Bankers' Association (KBA). The financial downturn of the past few years could have been avoided if banks across our country operated in the responsible fashion that Kansas banks do. Our national economy cannot fully recover if our community banks are hit with regulations that were intended to reign in irresponsible lenders. My remarks centered around two bills I have introduced, S. 1600, the Communities First Act, and S. 2160, the Financial Institutions Examination Fairness and Reform Act. These two bills would allow smaller responsible lenders to play an important role in our ongoing efforts to put our country back on sound financial footing. Special thanks to KBA President Chuck Stones and the KBA membership for inviting me to join them.